Rephonic
Artwork for On the Balance Sheet®

On the Balance Sheet®

Darling Consulting Group
Federal Reserve
Deposits
Artificial Intelligence
Boston, United States
Centreville Bank
Mascoma Bank
Community Banking
United States Economy
Inflation
Suncoast Credit Union
Darling Consulting Group
Stablecoins
Loan Growth
Commercial Lending
Mascoma Technologies
Sahm Rule
Unemployment
Yield Curve
Oak View National Bank
Membership Growth

Darling Consulting Group’s podcast series interviewing executives from community banks and credit unions about key industry and economic issues.

PublishesMonthlyEpisodes54Founded4 years ago
Number of ListenersCategory
Business

Listen to this Podcast

Artwork for On the Balance Sheet®

Latest Episodes

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... more

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... more

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 ... more

This month, the guys are joined by Ben Lemoine, the Chief Financial Officer of Suncoast Credit Union located in Florida. Ben outlines his professional journey, which evolved from his days in Corporate CUs and consultative positions into the accountab... more

Key Facts

Accepts Guests
Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

Similar Podcasts

People also subscribe to these shows.

Street Talk
Street TalkNathan Stovall | S&P Global Market Intelligence
Simply Put
Simply PutWill Compernolle
The Community Bank Podcast
The Community Bank PodcastSouthState Correspondent Division
This Month in Banking
This Month in BankingThe Kafafian Group, Inc.
Macro Voices
Macro VoicesHedge Fund Manager Erik Townsend

Recent Guests

Chris Low
Chief Economist at FHN Financial
FHN Financial
Episode: "All Things Fed” with Chris Low, Chief Economist at FHN, Live from DCG’s Annual Conference
Mike Ewing
Chairman and CEO, Oak View National Bank
Oak View National Bank
Episode: "Ask Them to Do Everything They Can and Nothing They Can't" with Mike Ewing of Oak View National Bank (VA)
Ben Lemoine
Chief Financial Officer, Suncoast Credit Union
Suncoast Credit Union
Episode: “Firing Up the Growth Engine” with Ben Lemoine, Suncoast Credit Union (FL)
Jeff Croteau
Industry expert, speaker and contributor to Deposit 360 initiatives
Darling Consulting Group (DCG)
Episode: Yield Curve March Madness and Distilling Fed Expectations with Jeff Croteau
Joe Kennerson
Industry executive featured for balance sheet takes for 2026
Not explicitly stated in transcript
Episode: Joe Kennerson’s 5 ALCO “Takes” for 2026 and the Last Time He Dunked a Basketball
Claudia Sahm
Chief Economist from New Century Advisors; founder of Sahm Consulting
New Century Advisors; Sahm Consulting
Episode: “Last Cut Under the Powell Fed” with Claudia Sahm
Dan Yates
CEO and co-founder of Endeavor Bank
Endeavor Bank
Episode: "If You Stick Around Long Enough, I'll Teach You How To Start a Bank" with Dan Yates of Endeavor Bank (CA)
Cole Watson
CFO of Hoosier Hills Credit Union
Hoosier Hills Credit Union
Episode: “Trust But Verify" with Cole Watson of Hoosier Hills CU (IN)
Bill Guthrie
Deposit consultant featured on the episode
Darling Consulting Group
Episode: “Dust Off The Falling Rate Deposit Playbook" with DCG’s Bill Guthrie

Host

Vincent
Co-host and ALCO/industry commentator, affiliated with Darling Consulting Group (DCG)

Reviews

4.9 out of 5 stars from 51 ratings
  • My favorite asset liability management podcast

    Move over Doughboys, there is a new power couple in podcasting.

    Apple Podcasts
    5
    Donomac88
    United States4 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Insightful, practitioner-focused banking episodes.
High-quality guests and actionable strategies for community banks.
Engaging discussions on deposits and pricing strategies.
Great depth on ALCO and liquidity with concrete takeaways.

Talking Points

Recent interactions between the hosts and their guests.

"If You Stick Around Long Enough, I'll Teach You How To Start a Bank" with Dan Yates of Endeavor Bank (CA)
Q: If you were placed in the head seat at any one of the agencies, what would you do to incentivize more de novo formation?
Focus on addressing practical, solvable pain points for new banks, like debit cards at opening and streamlined capital access, while also making the economics attractive by encouraging broader, lower-threshold investments so owners become advocates.
“Firing Up the Growth Engine” with Ben Lemoine, Suncoast Credit Union (FL)
Q: Could you walk us through your career journey from breaking into the industry to the C-suite?
Ben describes starting at corporate credit unions, moving from advisory roles to direct execution at Mission Federal and Chartway before becoming CFO at Suncoast, where he now oversees finance, IT, and strategic initiatives including M&A.
"All Things Fed” with Chris Low, Chief Economist at FHN, Live from DCG’s Annual Conference
Q: What is the potential impact of Warsh-led changes on Fed communication and forward guidance?
If Warsh pushes to curb official forward guidance and reduce one-number signaling, markets may become more dependent on balance sheet actions and less on verbal guidance, potentially increasing market uncertainty but restoring credibility through a rules-based, news-light approach.
"All Things Fed” with Chris Low, Chief Economist at FHN, Live from DCG’s Annual Conference
Q: What does higher interest rate policy actually do to curb oil-driven inflation while households face higher fuel costs?
Higher rates tend to slow demand, which reduces overall inflation pressure over time, but they also raise borrowing costs for consumers and small businesses, potentially keeping discretionary spending tight and cooling the economy.
Joe Kennerson’s 5 ALCO “Takes” for 2026 and the Last Time He Dunked a Basketball
Q: Why downplay competitor pricing, and how should institutions approach pricing strategy?
Pricing should be guided first by inward data and a solid understanding of cannibalization and cost of funds rather than chasing rivals; data points from internal analytics should drive decisions, with focus on long-term stability over short-term competitive moves.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About On the Balance Sheet®

What is On the Balance Sheet® about and what kind of topics does it cover?

This show centers on community banking, with in-depth conversations about balance sheets, liquidity, funding strategies, and the intersection of technology and regulation. Episodes frequently feature senior bank leaders and industry experts who share pragmatic, data-driven approaches to ALCO decision-making, deposit management, and growth strategy in a higher-rate, volatile environment. Notable strengths include candid discussions about real-world challenges (turnarounds, loan performance, risk management) and practical takeaways—such as hedging tools, cross-functional governance, and the evolving role of AI and digital currencies in small financial institutions. The format tends to pair seasoned executives with structured, actionable insig... more

Where can I find podcast stats for On the Balance Sheet®?

Rephonic provides a wide range of podcast stats for On the Balance Sheet®. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to On the Balance Sheet® and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does On the Balance Sheet® get?

Rephonic provides a full set of podcast information for three million podcasts, including the number of listeners. View further listenership figures for On the Balance Sheet®, including podcast download numbers and subscriber numbers, so you can make better decisions about which podcasts to sponsor or be a guest on. You will need to upgrade your account to access this premium data.

What are the audience demographics for On the Balance Sheet®?

Rephonic provides comprehensive predictive audience data for On the Balance Sheet®, including gender skew, age, country, political leaning, income, professions, education level, and interests. You can access these listener demographics by upgrading your account.

How many subscribers and views does On the Balance Sheet® have?

To see how many followers or subscribers On the Balance Sheet® has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to On the Balance Sheet®?

These podcasts share a similar audience with On the Balance Sheet®:

1. Street Talk
2. Simply Put
3. The Community Bank Podcast
4. This Month in Banking
5. Macro Voices

How many episodes of On the Balance Sheet® are there?

On the Balance Sheet® launched 4 years ago and published 54 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact On the Balance Sheet®?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for On the Balance Sheet®?

Rephonic pulls ratings and reviews for On the Balance Sheet® from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

View all the reviews in one place instead of visiting each platform individually and use this information to decide if a show is worth pitching or not.

How do I access podcast episode transcripts for On the Balance Sheet®?

Rephonic provides full transcripts for episodes of On the Balance Sheet®. Search within each transcript for your keywords, whether they be topics, brands or people, and figure out if it's worth pitching as a guest or sponsor. You can even set-up alerts to get notified when your keywords are mentioned.

What guests have appeared on On the Balance Sheet®?

Recent guests on On the Balance Sheet® include:

1. Chris Low
2. Mike Ewing
3. Ben Lemoine
4. Jeff Croteau
5. Joe Kennerson
6. Claudia Sahm
7. Dan Yates
8. Cole Watson

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

Find and pitch the right podcasts

We help savvy brands, marketers and PR professionals to find the right podcasts for any topic or niche. Get the data and contacts you need to pitch podcasts at scale and turn listeners into customers.
Try it free for 7 days