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According To The Data

Welcome to According To The Data

According To The Data, our thought leadership blog, leverages the deep research and analytical prowess of the Curinos team.

We dig down into the numbers to generate actionable intelligence for financial services professionals looking for edge in an increasingly competitive marketplace.

Concise, visual and insightful – each According To The Data post offers timely and relevant information to keep you informed about key industry trends and help you make better business decisions.

After well over a year of significant outflows, commercial deposit balance levels stabilized in the second half of 2023. The average bank ended the year down 7%, but many managed to end up flat for the year and some even printed a little growth. What changed? 

Three key factors contributed to stabilizing balances. First, strong GDP growth provided an offset to the impact of quantitative tightening on overall money supply. Second, that growth was fueled in part by robust consumer spending, and when individuals spend money, it lands in commercial accounts. And third, the banking-related fears of early 2023 receded, so companies were more willing to place deposits at banks. This helped most banks turn the tide on outflows.

February 27, 2024

Want Small Business Deposits? Focus On Primacy

By providing small businesses access to credit and other services, banks can realize better performance in their overall deposit portfolios.
READ TIME: 1 MIN

February 22, 2024

CD Growth Still Strong, But Trend Line Has Gone Flat

Even though their growth may be slowing, CDs will continue to represent a substantial share of deposits and will be critical to a depository institution’s success.
READ TIME: 1 MIN

February 20, 2024

Wealth Clients Were Late To The CD Party And Will Likely Leave Early

Banks should adopt the high-touch, personalized engagement of wealth advisors by proactively reaching out to clients prior to maturity.
READ TIME: 1 MIN

February 15, 2024

AI-Powered Personalization Can Help Sustain Marketing Lift

AI continuously updates optimization so marketers don’t have to.
READ TIME: 1 MIN

February 13, 2024

Q4 Mortgage Volume: Weak Overall, Worse For Banks And CUs

Data across Curinos’ retail consortium reveal that independent mortgage banks (IMBs) outperformed depository institutions and a broader contracting market in the latest quarter.
READ TIME: 1 MIN

February 8, 2024

Earnings Credit Rates Are Finally Moving Up

ECRs are headed upward as more corporate clients realize they may be better off in interest-bearing accounts.
READ TIME: 1 MIN

February 6, 2024

New Primary Relationships At Fintechs Are Surging

Driven by the mass market, fintechs now account for 40% of new banking relationships.
READ TIME: 1 MIN

February 5, 2024

Growing Deposits Is Getting More Expensive Across The Board

At today’s high mCOFs, FIs need innovative, data-driven deposit pricing strategies – or they may pay more than they have to.
READ TIME: 1 MIN

February 5, 2024

There’s High Repricing Risk In Those Low-Rate Balances

Almost half of savings and MMDA deposits are still priced under 25 bp, so the impact of repricing could be significant.
READ TIME: 1 MIN

February 5, 2024

Home Equity Is Positioned For A Rebound

Curinos’ Home Equity Forecast predicts that demand for HE products will rise dramatically in the second half of the year.
READ TIME: 1 MIN

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