
On the Balance Sheet®
Darling Consulting Group’s podcast series interviewing executives from community banks and credit unions about key industry and economic issues.
Episodes
39 episodes
Special Episode - Managing Through Volatile Times with Matt Pieniazek, DCG President & CEO
In this special episode, Darling Consulting Group President & CEO Matt Pieniazek joins for a C-suite-focused “fireside chat” to share his insights and perspectives on managing earnings and balance sheet risks in this highly volatile and unc...
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Season 4
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Episode 4
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55:57

"They Don't Sit Still" with Nathan Stovall of S&P Global
In this episode, the guys are joined by Nathan Stovall, the Director of Financial Institutions Research for S&P Global. Nathan shares his observations on deposit trends, how banks are the "thermometers" of local economies, his outlook for M...
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Season 4
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Episode 3
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43:32

Top 5 in 2025 with DCG’s Joe Kennerson
DCG Managing Director Joe Kennerson returns to talk about the top 5 areas risk managers should be discussing as 2025 progresses. Joe, Zach, and Vinny dig deep into deposit and lending trends, potential margin restoration, hedging, and bond port...
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Season 4
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Episode 2
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32:45

"Take the Under" with Dr. Lacy Hunt
In the first episode of Season 4, Dr. Lacy Hunt, Chief Economist and Executive Vice President of Hoisington Investment Management Company, rejoins the show for a timely and engaging discussion on what to expect from markets in 2025. Lacy delves...
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Season 4
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Episode 1
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37:58

The Integration of a Digital Banking Platform with Dale Oberkfell
In the final episode of Season 3, Vin and Zach are joined by colleague Jeff Reynolds for a terrific discussion with Dale Oberkfell, former President & CFO of Midwest BankCentre in Missouri. Dale shares lessons from a 40-year career, ranging...
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Season 3
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Episode 12
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44:26

Post-Election Market Implications with Peter Boockvar, Bleakley Financial Group
In this month’s episode, Peter Boockvar, Chief Investment Officer of Bleakley Financial Group, visits with Vin, Zach, and DCG’s Justin Bakst to discuss potential economic implications from the recent US Presidential election. The four div...
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Season 3
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Episode 11
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30:19

Matt McCombs, Vibrant Credit Union (IL)
In this month's episode, we are joined by Matt McCombs, President and CEO of Vibrant Credit Union in Moline, Illinois. Matt discusses his early days of cutting the front lawn of his father’s credit union and spending 180 days a year on the road...
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Season 3
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Episode 10
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34:46

Model Risk Management & Charlie Brown with Chase Ogden
In episode 9, the guys are joined by DCG Quantitative Consultant Chase Ogden. The trio investigates a panoply of subjects in the MRM space, including the importance of building out a data strategy to promote better decision-making, thoughts fro...
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Season 3
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Episode 9
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43:18

Falling Rate Fever with Frank Farone
In episode 8, Vin and Zach are joined by the one and only DCG Managing Director Frank Farone. The trio discusses five key themes all bankers should be thinking about if the Fed does begin cutting rates soon, hitting all aspects of the balance s...
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Season 3
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Episode 8
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36:32

Jesse Schwamb, CFA , Members 1st Federal Credit Union (PA)
In the 7th episode of season 3, Vin and Zach are joined by the dynamic Jesse Schwamb of Members 1st FCU in Pennsylvania, a top 50 CU by asset size in the United States. The three embark on an energetic discussion of how Jesse and his team are i...
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Season 3
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Episode 7
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35:44

Special Episode: Live from DCG’s 40th Annual Conference with Chris Low
Chris Low, Chief Economist at FHN Financial, joins the guys for a live appearance from DCG’s 40th Annual Balance Sheet Management Conference in Boston. Throughout a sweeping economic discussion, Chris digs into the mindset of the Federal ...
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Season 3
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Episode 6
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32:43

CRE and Lending Update with Aaron Jodka, Colliers
In Season 3 Episode 5, the guys are joined by Colliers Director of Research Aaron Jodka and DCG colleague Justin Bakst. The four dig into multiple topics in the commercial real estate landscape, including: why "commercial lending" can't be pain...
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Season 3
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Episode 5
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41:42

Howard Bluver, Studio Bank (TN) and Israel Discount Bank (NY)
In this episode, the guys are joined by Howard Bluver, Director at Studio Bank (TN) and Israel Discount Bank (NY). The depth and breadth of Howard’s professional experience serve as the foundation for a wide-ranging and engaging discussion. How...
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Season 3
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Episode 4
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43:22

Jim Cone, Victory Bank and CapTex Bank (TX)
In this month's episode, the guys are joined by Jim Cone, a Director at both CapTex Bank and Victory Bank (TX). Jim shares insights ranging from his early days in business development to purchasing a bank with just $10 million in assets and gro...
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Season 3
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Episode 3
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38:10

5 Questions for 2024 with DCG’s Joe Kennerson
DCG Managing Director Joe Kennerson joins Zach and Vinny to dive into 5 key questions for bankers as we move our way through 2024. The trio tackles lingering deposit cost pressures, potential cost relief if the Fed eases, prospects for margin r...
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Season 3
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Episode 2
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38:30

Greg Dufour, Camden National Bank (ME)
In this episode, the guys are joined by DCG colleague Keri Crooks for a discussion with Greg Dufour, the outgoing President and Chief Executive Officer of Camden National Bank. Greg talks about his 20 plus years with the bank and his stewardshi...
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Season 3
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Episode 1
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32:45

Newly Elected ABA Chair Julie Thurlow and the "Intersection of Relevancy"
In episode 13, newly elected American Bankers Association (ABA) chair Julie Thurlow joins the show.Julie, Vin, Zach, and Frank Farone discuss what she hopes to accomplish with the ABA, key opportunities and threats for the industry, and...
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Season 2
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Episode 13
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34:14

Chris Nelson, Nelson Capital Advisors
In this month's episode, Zach and Vin are joined by Chris Nelson, Founder and President of Nelson Capital Advisors (and formerly of Bangor Savings Bank). Chris talks about his early days, which took him from the broadcasting booth t...
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Season 2
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Episode 12
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40:18

Drew Chandler and Chris Gosnell, Farmers Bank & Trust (AR)
Join Vin and Zach as they go “2 on 2” with CEO Chris Gosnell and CFO Drew Chandler of Farmers Bank and Trust (Arkansas / Texas). In this episode, the guys discuss banking in small markets, expansion into larger ones, the efficacy of hedging, an...
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Season 2
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Episode 11
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33:03

Matt McCullin, ANECA Federal Credit Union (LA)
In episode 10, Matt McCullin, Chief Financial Officer at ANECA Federal Credit Union in Shreveport, LA joins the show. Matt, Vin, and Zach explore a wide range of topics, including Matt’s time in the banking and public accounting industries prio...
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Season 2
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Episode 10
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32:29

Jeanne Hulit, Maine Community Bank (ME)
In this month’s episode, Vin and Zach are joined by Jeanne Hulit, President and CEO of Maine Community Bank. The depth and breadth of Jeanne’s resume provides the backdrop for a wide-ranging discussion that includes her: J...
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Season 2
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Episode 9
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31:49

Robert McCormick, Trustco Bank (NY)
In episode 8 of season 2, Vin, Zach, and DCG Managing Director Steve Boselli are joined by Rob McCormick, Chairman, President, & Chief Executive Officer of Trustco Bank in New York. The four explore a wide range of topics, including the bas...
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Season 2
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Episode 8
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30:50

Live from DCG's Annual Conference
Live from the 2023 DCG Annual Conference, join Vin and Zach as they cover the key issues being discussed on stage. They are joined on the ground by three conference attendees (George Kelly of Liberty Bay CU, MA; Jon Schmaderer of TriCounty Bank...
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Season 2
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Episode 7
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28:05

Special Episode: Chris Low, FHN Financial
Live from DCG’s 39th Annual Conference, Vin and Zach are joined by Chris Low, Chief Economist at FHN Financial. Chris has a long and strong track record forecasting rates, and the three explore an array of topics including: Chris’ latest rate f...
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Season 2
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Episode 6
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38:14

Elizabeth McCoy, Planters Bank (KY)
In episode 5, Planters Bank (KY) Chief Executive Officer Elizabeth McCoy joins the show. Elizabeth, Vin, and Zach delve into her journey growing Planters Bank over the past two decades, what she believes community banks do best, her fascinating...
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Season 2
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Episode 5
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32:47
