retaildepanalyzer

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

According To The Data // Insights

Want Small Business Deposits? Focus On Primacy

By providing small businesses access to credit and other services, banks can realize better performance in their overall deposit portfolios.

READ TIME: 1 MIN

February 27, 2024

According To The Data // Insights

CD Growth Still Strong, But Trend Line Has Gone Flat

Even though their growth may be slowing, CDs will continue to represent a substantial share of deposits and will be critical to a depository institution’s success.

READ TIME: 1 MIN

February 22, 2024

According To The Data // Insights

Growing Deposits Is Getting More Expensive Across The Board

At today’s high mCOFs, FIs need innovative, data-driven deposit pricing strategies – or they may pay more than they have to.

READ TIME: 1 MIN

February 5, 2024

According To The Data // Insights

There’s High Repricing Risk In Those Low-Rate Balances

Almost half of savings and MMDA deposits are still priced under 25 bp, so the impact of repricing could be significant.

READ TIME: 1 MIN

February 5, 2024

Curinos Review // Insights

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: 3 MINS

January 10, 2024

Curinos Review // Insights

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

Curinos Review // Insights

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

Curinos Review // Insights

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

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