depositoptimizeressentials

Competition for Deposits Has Slowed Branch Closings, For Now

The FDIC’s Share of Deposits data released last week reveals that the decline of branches slowed to 1.4% for the year ending June 30, 2024, its lowest level over the past decade.

READ TIME: 1 MIN

October 8, 2024

Curinos Perspectives // Insights

Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives

From “How to Optimize Down-Pricing in a Falling Rate Environment,” a Curinos webinar presented on September 24, 2024, in conjunction with Consumer Bankers Association and featuring Curinos managing directors Peter Serene and Robert Warnock.

READ TIME: 5 MINS

September 25, 2024

Curinos Perspectives // Insights

Curinos Perspective: How To Win In Small Business – 5 Takeaways

From “How to Win in Small Business,” a Curinos webinar on September 19, 2024, presented in conjunction with Consumer Bankers Association and featuring Curinos managing director Adam Stockton and Curinos senior vice president Olivia Lui.

READ TIME: 4 MINS

September 23, 2024

Curinos Perspectives // Insights

Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways

From “Deposit Growth & Retention in a Falling Rate Environment,” a webinar presented by Curinos on June 26, 2024, that featured Adam Stockton, head of retail deposits and lending, and Agusta Patton, managing director of Client Solutions.

READ TIME: 6 MINS

July 3, 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

Insights

How Credit Unions Can Meet Their Deposit Targets

For credits unions looking to attract and retain member deposits in today’s high-rate environment, much has changed since this stage of the last rate cycle.

READ TIME: 2 MINS

January 22, 2024

Insights // This Month In Retail Banking

November MBS Rally Is Helpful, But Not Enough

From November 10 to December 6, mortgage-backed security prices rallied by 255 bp as a result of several factors that were consistent with a shift in both Federal Reserve and market outlooks. But has the run-up been enough to favorably affect origination volume? The short answer is no.

READ TIME: 2 MINS

December 14, 2023

Insights // This Month In Retail Banking

A Preview Of The Coming CD Renewal Surge

Early returns from the looming tidal wave of CD renewals show that retention is holding up. But it’s still early, and deposit rates are likely to remain elevated. So a well-honed CD-renewal strategy in 2024 will be more important than at any time in the last 15 years.

READ TIME: 2 MINS

November 20, 2023

Insights // This Month In Retail Banking

Now May Be The Time For A Brand Refresh

In today’s highly competitive digital environment, maintaining brand equity to engage today’s customers and digital natives is becoming increasingly important, and challenging. That’s why several of them have recently taken on a whole new brand identity.

READ TIME: 1 MIN

November 15, 2023

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