Every Deal is a Deposit Retention Strategy
Since 2018 the average bank deal above $5 billion has seen 11% in consumer deposit attrition, with the bottom quartile losing more than 17%. That kind of forfeiture can be existential. Early missteps in the deal trigger outflows that are difficult to reverse and expensive to replace. Acquiring institutions need to execute two missions simultaneously: protect the inherited franchise and articulate a compelling forward-looking value proposition.
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March 23, 2026