According To The Data

As Rates Fall, Back Books Will Block Expense Relief

Relatively low-priced commercial back books present headwinds to meeting pass-through targets for falling-rate betas. Lowering rates on their balances would risk attrition, and replacing them could get expensive.

READ TIME: 1 MIN

March 14, 2024

According To The Data // Insights

Last Year’s High-Rate CDs Are Coming Home To Roost

Financial institutions will need to sustain high CD rates to retain balances, especially because deposit betas are likely to lag any downward actions by the Fed.

READ TIME: 1 MIN

March 12, 2024

According To The Data // Insights

Innovators Push Funding Of New Digital Accounts

To gain primacy, leading financial providers target the funding journey in account opening, including adding direct deposit.

READ TIME: 1 MIN

March 7, 2024

According To The Data // Insights

FHA Rates Are Attracting Higher-Quality Borrowers

The biggest rate gap in 15 years between FHA and conforming loans has boosted FHA volumes, and today’s borrowers come with better quality than in the past.

READ TIME: 1 MIN

March 5, 2024

According To The Data // Insights

Banks May Have Turned The Tide On Commercial Outflows

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?

READ TIME: 1 MIN

February 29, 2024

According To The Data // Insights

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 27, 2024

According To The Data // Insights

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 22, 2024

According To The Data // Insights

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 20, 2024

According To The Data // Insights

AI-Powered Personalization Can Help Sustain Marketing Lift

AI continuously updates optimization so marketers don’t have to.

READ TIME: 1 MIN

February 15, 2024

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