On the Balance Sheet®

Darling Consulting Group

Darling Consulting Group’s podcast series interviewing executives from community banks and credit unions about key industry and economic issues.

  1. MAR 27

    Yield Curve March Madness and Distilling Fed Expectations with Jeff Croteau

    In On the Balance Sheet®'s 50th episode, the guys are joined by DCG’s Jeff Croteau to parse through recent yield curve movements, the March Fed meeting, and Q1 ALCO themes.  The discussion delves into why ALCOs need to understand their balance sheet needs and be opportunistic when rates are volatile, looking inward first when assessing funding game plans, as well as recent lending discussions and how pricing/volume trends may influence NII levels in 2026 and beyond. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    39 min

  2. FEB 23

    Joe Kennerson’s 5 ALCO “Takes” for 2026 and the Last Time He Dunked a Basketball

    In the second episode of season 5, DCG’s own Joe Kennerson is back by popular demand and joins the guys to explore his 5 ALCO "Takes" for 2026. The conversation focuses on industry margin projections, a new era of liquidity management, balancing deposit growth vs cost savings, why you should “ignore” your competition, and the power of options both on and off the balance sheet. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    28 min

  3. JAN 16

    “Last Cut Under the Powell Fed” with Claudia Sahm

    In the highly anticipated season 5 opener, the guys are joined by Claudia Sahm, Chief Economist at New Century Advisors and architect of the famous “Sahm Rule.” Claudia provides her thoughts on the resilience of the US economy, key elements to be aware of on the unemployment and inflation fronts, Fed rate expectations and whether we are at risk of a policy error, and why she remains cautiously optimistic for 2026. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    39 min

  4. 2025-12-17

    Fed Reactions and Implications for Your Balance Sheet

    In the final episode of the season, Vin and Zach jump into a discussion on the recent Fed Meeting and the outlook for rates in 2026.  The guys also probe how various rate outlooks could impact deposit and loan strategy, as well as thoughts on recent Q4 ALCO meetings, budgets, and positive industry margin trends. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    34 min

  5. 2025-11-18

    "If You Stick Around Long Enough, I'll Teach You How To Start a Bank" with Dan Yates of Endeavor Bank (CA)

    Vin, Zach, and DCG colleague Mike Mitchell are joined by Dan Yates, CEO and Co-Founder of Endeavor Bank located in Southern California. Dan shares lessons learned from training programs early on in his career and how he parlayed that education into the formation of two de novo banks. He speaks about Endeavor Bank's focus on "Consultative Banking," and how the bank's partnership with small- and medium-sized businesses is mutually beneficial. He also discusses Endeavor Bank's adherence to the Entrepreneurial Operating System (EOS) and how that framework permeates through all facets of the organization. Lastly, and perhaps most importantly, Dan talks about leaving a lasting legacy in his communities and filling the void left by larger bank consolidations. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    38 min

  6. 2025-10-15

    “Trust But Verify" with Cole Watson of Hoosier Hills CU (IN)

    Cole Watson, CFO of Hoosier Hills Credit Union (IN), joins Vin, Zach, and DCG colleague Mike Mitchell for a terrific episode 10 of season 4. The guys dig into Cole’s background as he transitioned into the banking world post-GFC, the importance of having a “curious mind,”  initiating strategic actions at ALCO, and how FIs should embrace culture shifts as deposit gathering becomes more and more important. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    35 min

  7. 2025-09-17

    “Dust Off The Falling Rate Deposit Playbook" with DCG’s Bill Guthrie

    DCG Deposit Consultant Bill Guthrie joins Vin and Zach on a Fed Decision Day to dust off the deposit falling rate playbook and dive into funding strategies. The trio explores industry deposit trends and what they mean for community institutions, NMD and CD balance and rate expectations, the importance of harnessing your own data, and how to make sure your institution is not “flying blind” if more rate cuts unfold. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    37 min

  8. 2025-08-20

    “Culture Eats Strategy for Breakfast” with Clay Adams of Mascoma Bank (NH)

    In our eighth episode of the season, Clay Adams, President & CEO of Mascoma Bank (NH), joins Vin, Zach, and Joe Kennerson. The guys dig into Clay’s background in the private sector and on the Mascoma Board before emerging as the bank’s CEO, Peter Drucker and Daniel Pink, the role of AI and stablecoins in banking’s future, and how Mascoma Bank created its own SaaS platform (“Stratum”) designed to modernize the technological environment of financial institutions. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

    32 min
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About

Darling Consulting Group’s podcast series interviewing executives from community banks and credit unions about key industry and economic issues.

Information

  • Creator
    Darling Consulting Group
  • Years Active
    2022 - 2026
  • Episodes
    50
  • Rating
    Clean
  • Copyright
    © 2026 On the Balance Sheet®
  • Show Website
    On the Balance Sheet®

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