WealthAnalyzer

Trends in Wealth Deposits: Falling Rates Reveal Disparate Strategies and Outcomes

Excerpted from the author’s remarks at SIMFA’s Operations Conference & Exhibition at on May 13, 2026, in Marco Island, Fla. In wealth deposits, banks didn’t enter the falling-rate period with identical books, and the impacts of previous strategic decisions are still being seen.

READ TIME: 1 MIN

May 14, 2026

According To The Data // Insights

In Wealth Deposits, High-quality Growth Means More than Managing Beta

How wealth deposits have grown over the falling rate cycle has almost always been a function of the strategy firms employed during the rising rate cycle.

READ TIME: 1 MIN

April 30, 2026

According To The Data // Insights

Slow Growth in Wealth Deposits – How to Respond

Wealth deposits growth slowed in 2025 and continued to in Q1 compared to last year at this time. Besides flagging CD growth in the falling rate environment, why the underperformance?

READ TIME: 2 MINS

April 1, 2026

Curinos Review // Insights

Curinos Review Spring 2026

The Spring issue of the Curinos Review is built around a simple belief: the next source of durable advantage in banking will not be a model, a channel or a product. It will be decision intelligence.

READ TIME: 5 MINS

March 23, 2026

According To The Data // Insights

The State of Wealth Deposits, Then and Now

Last year proved to be tougher on Wealth deposits growth than in 2024 – 3% versus 7%). That was in part because of larger tax-season outflows, which slowed balance replenishment and pushed in-year net positive growth to late Q4.

READ TIME: 1 MIN

January 29, 2026

According To The Data // Insights

Managing Wealth Beta Requires the Right Analytics

Savings/MMS offer higher beta passthroughs than interest checking and quicker passthroughs than CDs, and as a result, Wealth savings/MMS beta has been considerably higher  than beta on overall Wealth deposit portfolios.

READ TIME: 1 MIN

December 9, 2025

Curinos Review // Insights

Curinos Review Fall 2025

Banking is being rewired before our eyes. Artificial intelligence, decision intelligence and the redefinition of customer value are transforming how financial institutions grow, compete and serve. What once felt theoretical is now operational reality—and the pace of change has never been faster.

READ TIME: 4 MINS

November 5, 2025

Curinos Review // Insights

Déjà Vu or Start of a Normal Rate Cycle? Cutting Through Noise to Act Fast

The falling rate cycle that started a year ago has had starts and stops and started again with this September and October rate cuts. Return to normalcy has been delayed due to the macro impact of trade and immigration policies, and 2026 deposit growth could vary widely.

READ TIME: 9 MINS

November 5, 2025

Curinos Perspectives // Insights

Cash Sweeps: What Broker-Dealers Need to Consider

As we reenter a falling rate cycle, the rate differential between wealth deposits, money market mutual funds and cash sweeps that has existed since 2023 will continue to shrink.

READ TIME: 4 MINS

October 28, 2025

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