Cash Sweeps Likely to Continue to Benefit from Declining Rates
Cash sweeps balances continued to rebound in 2025 even as average yields remained well below that of competing products.
READ TIME: 2 MINS
February 26, 2026
Categories
commercialanalyzer
Add to Deposits? Maybe Better to Deepen the Relationship through Unsecured Lending
As deposit growth continues to be a primary challenge in 2026, FIs may need to look beyond the liability side of the balance sheet for relief.
READ TIME: 1 MIN
February 24, 2026
Commercial Profitability Hinges on Getting Deposit and Fee Pricing Right
In the latest Curinos Quarterly Commercial Executive Summary, banks were asked about the market outlook for 2026. Over half said they expected increased competition for commercial deposits, the remainder said they expect the same, and none said that they anticipate less.
READ TIME: 1 MIN
February 10, 2026
Despite Lower Rates, Competition for Commercial IB Deposits Remains Intense
Since the beginning of the falling rate cycle, growth in commercial interest-bearing (IB) balances has persisted, even though banks have been actively lowering deposit rates.
READ TIME: 1 MIN
December 23, 2025
Curinos Review Fall 2025
Banking is being rewired before our eyes. Artificial intelligence, decision intelligence and the redefinition of customer value are transforming how financial institutions grow, compete and serve. What once felt theoretical is now operational reality—and the pace of change has never been faster.
READ TIME: 4 MINS
November 5, 2025
Curinos’ Flow of Funds Dashboard Shows Commercial Balances are Eroding
In commercial portfolios, balance churn has remained elevated year to date despite Fed Funds rates remaining flat.
READ TIME: 2 MINS
September 11, 2025
The Right Commercial DDA Strategy Starts with the Right Line of Sight
In Q2, non-interest-bearing (NIB) DDA balance levels remained flat in aggregate, but the spread between top and bottom performers widened.
READ TIME: 1 MIN
August 21, 2025
The New Growth Paradigm
in Commercial Banking
Lead with credit and cross-sell deposits and payments services. That’s been the traditional model of commercial banking. The payments services creates frictional cash held in non-interest-bearing DDAs (ECR accounts) that makes those deposits sticky.
READ TIME: 5 MINS
July 1, 2025
Curinos Review Summer 2025
We’re entering the strategic planning season for 2026 amid elevated uncertainty, and as tempting as it may be, among the least useful approaches to planning is to be too reticent. At Curinos, we think this is a time to plan for and take decisive action, which is why we’ve titled our Summer issue of Curinos Review Heightened Uncertainty Calls for Transformational Thinking.
READ TIME: 4 MINS
July 1, 2025
