retaildepanalyzer

With CD Rates Falling, High-Yield Savings Accounts Are the Big Winners

Over the past two years, during which the Fed implemented its most aggressive rate-hiking regimen of the last decade, demand for CDs surged to a new peak. Now, as rates have fallen, banks have moved quickly to follow the Fed’s lead in reducing CD rates to depositors at an 80%+ beta, and the impact has come quickly.
READ TIME: 2 MINS

April 29, 2025

To Maximize CD Retention at the Right Price, Look to Segmentation

Nearly $2 trillion of CDs will mature this year. How FIs mange those maturities could mean hundreds of millions in value gained or lost.
READ TIME: 1 MIN

April 3, 2025

Retail Deposits: How to Lower Rates Without Losing Deposits—5 Takeaways

From Reducing Interest Expense Isn’t Easy! How to lower rates without losing deposits, and why you might need to pivot, a presentation given by Curinos’ Adam Stockton, Managing Director, Retail, at ICBA LIVE 2025 in Nashville on March 11.
READ TIME: 5 MINS

March 18, 2025

Curinos Review Spring 2025

Stubbornly high rates persist, home lending remains sluggish, and doubts linger about growing the asset side of the balance sheet. Still, Curinos believes the recent industry headwinds will soon be at our backs and now’s the time prepare for significant growth.
READ TIME: 4 MINS

March 17, 2025

Charting a Course to Profitable Balance Sheet Growth

To accelerate profitable growth, regional banks will need to focus on growing the top line, recovering from spread compression and managing their loan-to-deposit ratio.
READ TIME: 7 MINS

March 17, 2025

Making the Most of M&A

The value of core deposits is one of the key drivers of the long-term success of any bank M&A, so determining their correct value is essential.
READ TIME: 5 MINS

March 17, 2025

A Challenging “New Normal” Ahead for Retail Deposits

Since December, hopes of more rate cuts this year and next have been fading, which is making retail deposits considerably more complex to manage.
READ TIME: 5 MINS

March 17, 2025

High Volumes of CDs Will
Continue to Mature in 2025

A cursory look at upcoming CD maturities might reveal a sharp decline in the second half of the year.
READ TIME: 2 MINS

March 5, 2025

You Get What You Measure: 5 Takeaways

From You Get What You Measure: Adjusting Prospecting KPIs for Success in the New Consumer Deposit Market, a webinar presented by Curinos on February 12, 2025, that featured Laura Hanley, Executive Director, Marketing at Synovus and Hank Israel, Managing Director at Curinos.
READ TIME: 4 MINS

February 19, 2025

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Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

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CurinosAP@curinos.com

Media Inquiries:
Curinos@5WPR.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@5WPR.com

Need to contact a specific team?

Sales Inquiries:
Sales@curinos.com

Accounts Payable Inquiries:
CurinosAP@curinos.com

Media Inquiries:
Curinos@5WPR.com

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