retaildepanalyzer

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

Curinos Review // Insights

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

Curinos Review // Insights

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

Curinos Review // Insights

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

According To The Data // Insights

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

Curinos Perspectives // Insights

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

According To The Data // Insights

Deposit Balances Rebound as Post-Covid “Revenge Spending” Dissipates

During COVID, the average consumer wallet expanded considerably thanks to three waves of stimulus deposits from the Federal government and a general lack of consumer spending driven by business shutdowns.

READ TIME: 1 MIN

February 13, 2025

According To The Data // Insights

CD Money in Motion Continues to Decline

CDs contributed strongly to deposit growth in 2023 and 2024, but now both their total acquisition and new-to-bank money volumes have begun to slide.

READ TIME: 1 MIN

January 23, 2025

According To The Data // Insights

Winning in a Falling Rate Environment: To Finish Strong, Know Your Starting Point

With two FOMC rate cuts now behind us, Curinos Commercial Deposit Analyzer data show that commercial banks have deployed more aggressive strategies in passing betas through than in the prior falling rate cycle beginning in 2019.

READ TIME: 1 MIN

December 12, 2024

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