At ICBA Securities, we provide community bankers the tools to grow their investments.

As deposit competition intensifies and liquidity management grows more complex, community banks must rethink how they price, position, and grow deposits. The challenge isn’t simply attracting balances; it’s doing so efficiently, without compromising margin or balance sheet stability.

Darling Consulting Group will break down the market dynamics shaping deposit behavior, explain how price elasticity should inform decision-making, and share practical tactics for striking the right balance between cost-savings and liquidity needs. You’ll also explore precision pricing approaches for CDs and MMDs to stay competitive in an elevated-rate environment. 

By the end of this session, you’ll walk away with actionable insights and analytics-driven strategies you can apply immediately to optimize funding costs and strengthen your deposit strategy for 2026.

Learning Objectives:

• Discover effective tactics to reduce funding costs by aligning pricing strategies, liquidity needs, and balance sheet goals in a competitive deposit environment.
• Understand price elasticity and deposit behavior to better anticipate how customers respond to rate changes and make informed pricing decisions.
• Apply precision pricing approaches to CDs and MMDAs to protect margins, manage runoff risk, and remain competitive without overspending on deposit acquisition.

Duration: 60-minutes

Presented live and recorded on 7/21/26.

This seminar is designed to meet the needs of agricultural lenders by identifying market issues and providing the tools to assess the borrower’s ability to navigate difficult times.

In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. 

Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.

Learning Objectives

Understanding Credit Risk

• Agriculture Market Risk
• Agriculture Management Risk

Financial Statement Analysis

• Crop/Animal Statements
• Cash Budgets

Liquidity Management

• Guarantor Analysis
• Sensitivity/Stress Tests

Agriculture Cash Flow Analysis

• Operational Cash Flow
• Global Cash Flow
• Coverage Issues

Developing the Right Credit Structure

• Seasonal Lines
• Term Loans
• Carry Over Loans

Early Warning Signs of Deterioration

• Systemic Market Issues
• Management Issues

Webinar: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Bundle

This seminar will assist community banks in navigating the critical considerations needed to effectively implement a sound vendor management program.

Community banks may outsource a service, but they cannot outsource the responsibility. In a financial environment wrought with strong enforcement actions, rising regulatory expectations, and massive data breaches, community banks must understand and manage a secure network of relationships to ensure customer data, bank transactions, business activity, and shareholders are protected.

Relationships with third-party vendors are commonplace and many provide a strategic advantage; however, the rewards aren't without risk to financial institutions. Intense regulatory scrutiny and variations in third-party service application are challenging the risk management practices utilized by today's community banks.

Learning Objectives:

• Participants will examine the vendor management lifecycle and discuss:
• Effective strategies for vendor selection.
• Evaluating risk associated with service providers.
• Guidelines for structuring your vendor agreements.
• Methods for monitoring and measuring success of your third-party vendors.
• Throughout the seminar practical advice and guidance will be shared including:
• How to remove the guesswork related to employee responsibility and vendor management.
• Key compliance considerations to monitor service provider relationships.
• New policy, procedures, and retention strategies.