Effectively managing through the new rate and credit cycles begins with understanding your risk position and listening to your balance sheet. “What am I missing?” is a common question from management and board members.

Will Federal Reserve action save the day for New England financial institutions or create more downward pressure on margins, given the tsunami of assets repricing, modifications, potentially lower long-term rates, and a big wave of refinancing activity? As with prior Fed easing cycles, trends will begin to emerge at year’s end and into 2026 that are somewhat predictable.

In this session, Darling Consulting Group Managing Director Frank Farone will share what to expect in 2026, including a reversal in deposit mix, lagging funding cost relief, elevated prepayment speeds and “modifications,” volatile long-term rates, slowing loan demand and tighter spreads, pricing trade-offs, competition, and more.

More About This Webinar:

Discover effective solutions to stay ahead of the curve and gain a competitive advantage for your institution.

Since banking is a risk/return business that requires risk management, not risk avoidance, learn how a highly focused and skilled asset-liability committee (ALCO) can significantly increase your bank’s bottom line. The presenter will also discuss five key questions your ALCO is asking now .

Be proactive, not reactive, with your balance sheet decisions by looking around the corner and seeing what others won’t see, and increase your return on ALCO by attending this timely session.