On the Balance Sheet®

In the penultimate episode of season 5, Brett McDowell, President & CEO of Victory Bank (TX), joins the show. Brett, Zach, and guest host Joe Kennerson dig into Brett's banking roots and the journey that led him to form Victory in 2023. The guys hit on a number of salient banking topics, including developing commercial 'bankers' instead of commercial lenders, the role of technology in the banks relationship model, and the origins of the Victory (“V”) formation. For more insights and...

In this episode, the guys are joined by DCG colleague and Executive Managing Director Justin Bakst to discuss “The Future of Deposits" with Kiah Haslett, the creator of "Fintech Takes Banking" (and formerly of Bank Director). Kiah and Justin define what it means to "own" a deposit relationship, examine how changing demographics influence deposit behavior, and assess the forthcoming introduction of Agentic AI and its impact on the overall digital customer experience, among many other topical d...

In this special “Fed Day” episode, Vin and Zach are joined by Gerard Cassidy of RBC Capital Markets, the legendary bank stock analyst and inventor of the “Texas Ratio.” The guys delve deep into expectations for growth, profitability, and credit in the banking industry as we enter Q4 and prepare for 2027. Gerard also expounds on what he looks for when analyzing banks, the one thing that absolutely destroys bank value, and his most important piece of advice for ALCOs. For more insights and i...

In this episode, the guys are joined by Brent Leslie, CEO of Maverick Bank, based in Lubbock, TX. Brent shares his journey from the baseball diamond to the ranks of state banking examiner to CEO of fast-growing Maverick Bank. The group discusses the lessons learned from Brent's early days looking at Texas bank balance sheets, his time at a community banking institution that was acquired by a larger player, and the purchase of a charter and reformation of former teammates to create the current...

In the seventh episode of season five, Vin and Zach revisit the key asset/liability management themes from the second quarter, as well as assess what ALCOs should be focusing on as the third quarter progresses. The guys dive deep into industry margin tailwinds and headwinds, deposit growth and retention strategies straight from the boardroom, what proprietary DCG pricing metrics are indicating, and data-driven lending trends. For more insights and ideas, visit DCG at DarlingConsulting.com or ...