Deposit Optimizer
Plan Your Next Move in a Falling-Rate Market
Falling Rates, Shrinking Deposits
The Fed has started cutting, and further reductions are likely. Today’s yields represent a rare high-water mark — one that may not last. Meanwhile, deposit growth for regional banks remains flat to negative, creating real risk of balance sheet gaps. Waiting isn’t an option.
Average Deposit Growth YTD 2025
The Pressure Is Building
Scenario Modeling that Puts You Ahead
Curinos Deposit Optimizer equips your team with clarity and speed to course-correct. Model mild vs. aggressive cuts, remix term to liquid with confidence and identify next-best moves that protect both yield and liquidity. Institutions using advanced optimization are entering this cycle stronger, retaining balances and margins where others are forced to surrender.
Falling Rates. Rising Pressure. Protect Your Deposit Margin.
Join Curinos experts for an exclusive webinar exploring how leading institutions are adapting deposit strategies to stay ahead of shifting market conditions.
Presenters:
- Brad Resnick, SVP, Head of Product & Inside Sales
- Bob Warnock, Managing Director, Head of Mid Sized FI Advisement
- Agusta Patton, Managing Director, Product Delivery & Client Success
Falling rates expose every weakness in your stack. Those who ignore it risk surrendering margin. Those who prepare now will define the competitive edge.
Book a strategy session with one of our advisors to learn how your portfolio performs under multiple Fed paths and where to protect margin in today’s falling-rate environment.
Keep Up to Date on the Market
The rate environment is evolving quickly, and each Fed move carries new implications for deposit strategy. Explore our latest thought leadership for timely insights on how shifting conditions affect funding costs, margin protection, and competitive positioning.
September 19, 2025
Curinos Perspective: The Fed is Back in
Action—3 Cuts Now Expected This Year