According To The Data

Home Lending: Don’t Discount the Buydown

Even with the expectation of an interest-rates thaw in the year ahead, home-lending affordability remains a significant challenge for both borrowers and lenders.
READ TIME: 1 MIN

March 13, 2025

High Volumes of CDs Will
Continue to Mature in 2025

A cursory look at upcoming CD maturities might reveal a sharp decline in the second half of the year.
READ TIME: 2 MINS

March 5, 2025

Are You Encouraging Healthy
Payments Activity?

One of the key pillars of profitability for retail banks is to ensure that customers are regularly making payments across digital services.
READ TIME: 1 MIN

February 25, 2025

Wealth Balances: The Higher You Climb,
the Harder You Fall?

Fed rate increases may have stalled in July 2023, but Wealth savings rates continued to climb throughout the flat-rate cycle.
READ TIME: 1 MIN

February 20, 2025

More M&A on the Horizon?
Here’s How to Moderate Potential Damage

Thanks to prospects for a more favorable economic and regulatory environment, M&A activity in the banking space is perking up.
READ TIME: 2 MINS

February 18, 2025

Deposit Balances Rebound as Post-Covid “Revenge Spending” Dissipates

During COVID, the average consumer wallet expanded considerably thanks to three waves of stimulus deposits from the Federal government and a general lack of consumer spending driven by business shutdowns.
READ TIME: 1 MIN

February 13, 2025

In Gaining Primary Relationships,
Bank Types Vary Considerably

In an increasingly competitive landscape, banks are rapidly designing value propositions and operating models to win primary customer relationships.
READ TIME: 1 MIN

February 11, 2025

Rates and Economic Outlook
Spurring HELOC Growth

The demand for home equity lines of credit (HELOC) remained mostly lethargic throughout 2024, despite the positive economic tailwinds at its back such as increased homeowner equity and low unemployment.
READ TIME: 1 MIN

February 6, 2025

When it Comes to Commercial Balances,
Think Small

High commercial balances may be where the money is, but it’s not where banks should focus for low cost deposits, especially as rates fall.
READ TIME: 1 MIN

January 30, 2025

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