Correspondent Blog

At our recent Deposit Conference, Nomis Solutions taught us a handy trick leveraging their CD performance data from their machine-learned model. In this article, we are going to take a look at a case study that compares two methodologies for CD renewals and see which one outperforms. The one that outperforms comes with two tactics…

Ask a community banker how the bank will beat margin compression, aggressive pricing from larger competitors and a shortage of stable deposits, and the most common answer is the same: “We’re going to compete on service.” The trouble is that the bank down the street says it too, and so does the regional bank, and…

The Bank Balance Sheet Monitor gives bank executives a weekly and year-to-date view of how the industry is changing across loans, investments, liquidity, deposits, and other funding sources. Rather than looking at a bank’s own results in isolation, management can compare the entire industry, the 25 largest banks, and community banks to help banks understand…

Most community bankers manage their lenders by loan volume, loan count and credit quality.  Few community banks look at the client level contribution to overhead or the risk-adjusted return on capital (RAROC) for each lender’s portfolio profitability .  We analyzed one lender’s portfolio of 146 relationships, and a very uneven picture emerged.  This picture is…

For years, bank marketing conferences were largely about advertising channels, branding campaigns, social media, and creative tactics. This year, the 2026 ABA Bank Marketing Conferece was different. This year, the major themes centered on hyperscaling bank marketing by leveraging generative and agentic AI to fuel growth. Whether the topic was deposits, branding, social media, analytics,…

We work with many banks across the country, and we get to see hundreds of different client scenarios weekly.  We recently worked with a bank that held a loan with a client who was using a 1031 exchange, but instead of paying off the loan with that bank, the customer retained the economics of the…

Every year, banks spend millions buying deposits they already have access to. What is often called a deposit campaign based on rate, is an unconscious reaction to a data problem that few bankers stop to think about. In this article, we provide the unlock of how banks can get deposit data and leverage it to…

On September 16th, the Federal Reserve raised the federal funds target range by 25 basis points to 3.75% to 4.00%, and the current short-term rate forecast is no longer a benign glide path lower. Futures markets now imply an effective Fed Funds rate of approximately 4.2% by December 2026 and roughly 4.7% by September 2027….

Last week we highlighted our Deposit Vulnerability tool (HERE) and briefly touched on how fall is the second best time, outside of the start of the year, to market for deposits. We also talked about the tailwinds of increasing M2 money supply and lower money market fund rates. Today, we go in depth on the…

The Fed started its tightening cycle this week, after the latest CPI report showed inflation is running at stronger than expected 3.4% annualized rate. The President called for the Fed to cut rates, resting on a simple syllogism: the United States is a stronger credit than it was, and stronger credits pay lower rates, so…

Next to the first part of the year, September and October are some of the best deposit gathering months. Businesses and households turn their attention back to fine tuning their financial house while setting up for next year. Excess cash flow get put away for a variety of capital projects next year. Because of this…

Bank Director’s 2026 RankingBanking study (HERE), sponsored by Crowe and compiled by Piper Sandler & Co. using S&P Global Market Intelligence data, ranks the 300 largest publicly traded U.S. banks on 2025 results. This year’s headline finding may look like a focus on net interest margin: the top 25 banks posted a median net interest…