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On the Balance Sheet®

Darling Consulting Group
Federal Reserve
Centreville Bank
United States Economy
Deposits
Loan Growth
Commercial Lending
Sahm Rule
Unemployment
Yield Curve
Oak View National Bank
Community Banking
Hoosier Hills Credit Union
Darling Consulting Group
Rhode Island
Immigration
Artificial Intelligence
Inflation
ALCO
Deposit 360
Non-Maturity Deposits

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

PublishesMonthlyEpisodes53Founded4 years ago
Number of ListenersCategory
Business

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Artwork for On the Balance Sheet®

Latest Episodes

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 in turning around banks that faced credit issues in the ‘80s and ’90s. The... 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

In On the Balance Sheet®'s 50th episode, the guys are joined by DCG’s Jeff Croteau to parse through recent yield curve movements, the March Fed meeting, and Q1 ALCO themes. 

The discussion delves into why ALCOs need to understand their balance sheet... more

Key Facts

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Recent Guests

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)
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
Cole Watson
CFO of Hoosier Hills Credit Union
Hoosier Hills Credit Union
Episode: “Trust But Verify" with Cole Watson of Hoosier Hills CU (IN)
Hal Horvat
CEO and President of Centreville Bank
Centreville Bank, West Warwick, Rhode Island
Episode: "This Is Your Bank” with Hal Horvat of Centreville Bank (RI)

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.

Top Business Podcasts

Talking Points

Recent interactions between the hosts and their guests.

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.
Joe Kennerson’s 5 ALCO “Takes” for 2026 and the Last Time He Dunked a Basketball
Q: What is your observation in regards to margins and the upcoming turnaround for 2026?
Margins are expected to improve due to continued funding cost relief from CDs and a loan yield tailwind, but institutions must prepare for a potential slowdown by maintaining discipline on loan prepayments, floors, and the overall balance-sheet strategy to protect gains.
“Last Cut Under the Powell Fed” with Claudia Sahm
Q: Does one month make a trend? Can you speak to the December unemployment report and where it fits in the broader picture?
She explains that a single month isn't enough to declare a trend; the broader pattern shows gradual unemployment increases amid weak hiring, suggesting caution but not an imminent recession.
“Last Cut Under the Powell Fed” with Claudia Sahm
Q: Can you give us some of your high level thoughts there before we start to drill down into some more of the details?
Claudia emphasizes the economy's resilience with pockets of weakness in hiring, noting that overall growth looks solid but the labor market is cooling gradually, which could pose challenges if hiring fails to pick up.
Yield Curve March Madness and Distilling Fed Expectations with Jeff Croteau
Q: What should banks do if loan demand remains strong but funding costs stay elevated?
The panel recommends combining cautious pricing, selective asset-side strategies, and internal budgeting adjustments to sustain margins while pursuing prudent loan growth.

Audience Metrics

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

Listeners per Episode
Gender Skew
Location
Interests
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Household Income
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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

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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. At The Table with Patrick Lencioni
5. WSJ's Take On the Week

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

On the Balance Sheet® launched 4 years ago and published 53 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on On the Balance Sheet®?

Recent guests on On the Balance Sheet® include:

1. Mike Ewing
2. Jeff Croteau
3. Joe Kennerson
4. Claudia Sahm
5. Cole Watson
6. Hal Horvat

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.

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