First-Time Homebuyers Are Reshaping The Market
Rates and housing values are at multi-year highs, so there probably aren’t many first-time homebuyers (FTHB) entering the market, right? Not so.
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April 16, 2024
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According To The Data
Commercial: Falling Rates Won’t Stop Deposit Flow To IB
Migration from non-interest-bearing (NIB) commercial deposits to interest-bearing (IB) continues. It’s no mystery: The market rate for IB is about 400 bp, nearly five times what NIB deposits earn.
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April 11, 2024
How Does Branch Consolidation Affect Your Results?
Most regional banks have reduced their branch networks over the last three years, but there’s been significant divergence in their results, according to Curinos’ BranchScape.
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April 9, 2024
2024 TM Pricing Outlook: Exception Pricing Gains
With continued net interest income pressures and competition for deposits, treasury management (TM) pricing is one of the quickest levers to pull to drive fee revenues and protect balances at risk of remixing to interest-bearing options.
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April 4, 2024
Falling CD Rates? Whew! Well, Maybe Not.
Even with higher rates, CD retention rates have been about 85%. That’s the good news.
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April 2, 2024
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.
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March 14, 2024
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.
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March 12, 2024
Innovators Push Funding Of New Digital Accounts
To gain primacy, leading financial providers target the funding journey in account opening, including adding direct deposit.
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March 7, 2024
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.
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March 5, 2024