Event Profile

As deposit competition intensifies and liquidity management grows more complex, community banks must rethink how they price, position, and grow deposits. The challenge isn’t simply attracting balances; it’s doing so efficiently, without compromising margin or balance sheet stability.

Darling Consulting Group will break down the market dynamics shaping deposit behavior, explain how price elasticity should inform decision-making, and share practical tactics for striking the right balance between cost-savings and liquidity needs. You’ll also explore precision pricing approaches for CDs and MMDs to stay competitive in an elevated-rate environment. 

By the end of this session, you’ll walk away with actionable insights and analytics‑driven strategies you can apply immediately to optimize funding costs and strengthen your deposit strategy for 2026.

Learning Objectives:

• Discover effective tactics to reduce funding costs by aligning pricing strategies, liquidity needs, and balance sheet goals in a competitive deposit environment.
• Understand price elasticity and deposit behavior to better anticipate how customers respond to rate changes and make informed pricing decisions.
• Apply precision pricing approaches to CDs and MMDAs to protect margins, manage runoff risk, and remain competitive without overspending on deposit acquisition.

Duration: 60-minutes

Presented live and recorded on 7/21/26.