On the Balance Sheet®

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 ...

In the sixth episode of the season, Chris Low, Chief Economist at FHN, rejoins the show LIVE from DCG’s 42nd Annual Balance Sheet & Model Risk Management Conference. Chris and the guys jump into the current inflation and unemployment storylines, rate expectations, the “dual mandate,” and what bankers should expect from a Kevin Warsh-led Federal Reserve. For more insights and ideas, visit DCG at DarlingConsulting.com or follow us on LinkedIn.

In the fifth episode of the season, the guys are joined by Mike Ewing, Chairman and CEO of Oak View National Bank (VA). Mike expounds on his start in banking and his successes turning around banks who found themselves with credit issues in the ‘80s and ’90s. The conversation then transitions into how he formed and organized Oak View during the early days of the Great Financial Crisis. Permeating through the entire discussion is Mike’s passion for the role community banks pla...