Rising Excess ECR Poses Another Risk To NIB Deposits
Earnings credit rate DDA balances, already diminished, could be at further risk given high rates that continue to make interest-bearing alternatives attractive.
READ TIME: 1 MIN
May 9, 2024
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Too Many Tellers Or Too Few Transactions? The Answer Is “Yes.”
The pandemic did a number on branch transactions, and we have the numbers to prove it.
READ TIME: 1 MIN
May 7, 2024
Curinos Review Spring 2024
Retail banking fees are again under scrutiny. Our research shows that overdraft and non-sufficient funds fee revenue will continue their steady downward trend, as will credit card late fees and interchange fees. Taken together, this will make profitably serving the mass market even more of a challenge this year, particularly for community banks and credit unions.
READ TIME: 4 MINS
March 18, 2024
Curinos Perspective: What Other Banks Can Learn From Chase’s Branch Expansion
Much has been said and written recently regarding The Wall Street Journal’s article about Chase’s investment program in branches. We at Curinos wanted to offer our thoughts as well, with particular emphasis on the implications for regional and community banks across the country.
READ TIME: 4 MINS
February 22, 2024
Curinos Review Winter 2024
Welcome to the Winter 2024 issue of the Curinos Review. The Year of Deposits. That’s how Curinos views 2024 – how to get them and how to keep them at a cost that preserves net interest margin and profitability.
READ TIME: 4 MINS
January 10, 2024
Raising Meaningful Deposits In 2024: Buy Or Build?
For financial institutions looking to grow deposits significantly, a key question becomes whether buying them via acquiring another institution would be more advantageous than building them organically.
READ TIME: 9 MINS
January 10, 2024
Deposits In ’24: It’s Gonna Cost You
2024 will be a great year to grow deposits for any institutions ready to spend big. For many or even most banks and credit unions, more modest goals may make more sense.
READ TIME: 8 MINS
January 10, 2024
2024: The Year Of The Liquidity Manager
The base case for 2024 is that the economy will continue along a path of moderate growth, inflation will continue to normalize, and the Fed will gradually cut interest rates by 75 basis points over the course of the year while continuing to wind down its balance sheet.
READ TIME: 7 MINS
January 10, 2024
More Mortgage Malaise, Higher Hopes For Home Equity
Curinos expects many of today’s mortgage market challenges – affordability, inventory, lack of demand – to persist in 2024, with a material recovery not likely until 2025.
READ TIME: 5 MINS
January 10, 2024
