Event Profile

Community banks are facing a new reality: deposit growth has slowed, zero-rate environments are gone, fintech competition continues to accelerate, and generational shifts are reshaping customer behaviors. Together, these forces are driving a liquidity paradigm shift resulting in changing balance sheet structures, rising funding costs, and increasing pressure on liquidity planning.

In this session, experts from Darling Consulting Group break down the structural changes reshaping the industry, outline the headwinds community banks should expect, and share actionable approaches for managing tighter liquidity conditions with confidence.

By the end of this session, you’ll walk away with a clearer view of the liquidity challenges ahead and the strategic tools to help your institution stay prepared and resilient.

Learning Objectives:

• Assess how ALCOs must evolve liquidity policies, reporting, and stakeholder communication to meet today’s conditions.
• Evaluate deposit outlook trends and develop strategic initiatives that support balance‑sheet stability and long‑term funding needs.
• Analyze marginal cost of funds to differentiate between strategies that drive deposit cost savings versus deposit growth.
• Strengthen overall liquidity positioning as balance sheets become more “loaned up” and funding pressures rise.
• Articulate your institution’s liquidity story clearly and confidently to key stakeholders and regulators.

Duration: 60-minutes

Presented live and recorded on 5/13/26.