Here is Your 2Q 2026 Deposit Vulnerability and Deposit Playbook [Free Tool]

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 behavior, bank customers are more suspectable or provide a greater response to deposit marketing promotions. In this article, we highlight every bank’s deposit vulnerability and provide a deposit playbook to solve known issues.

Follow Along

As we step you through our deposit playbook ideas and bank data, you can pull up your bank’s position utilizing our free Deposit Vulnerability tool by logging in and inputting your bank’s name up on top. Click ‘Done” and then step through the tabs.

Deposit Vulnerability Index Calculation

We teamed up with Amberoon to create a Deposit Vulnerability Score which adapts the deposit stress-dimension from the Basel III Liquidity Coverage Ratio. This is the same conceptual framework U.S. regulators apply to banks >$50B in assets. The Fed’s CCAR/DFAST stress tests use a similar set of inputs (depositor-stratified run-off rates, wholesale-funding mix, time-deposit reliance) to assess deposit-flight risk under adverse scenarios.

While we stepped through the methodology last quarter, you can see our complete methodology on the last tab.

To start the analysis, you can scroll down and see your bank’s Vulnerability Score, Franchise Value score and the statistics around your potential deposit flight. You can also see your bank compared to your peers against 13 critical metrics complete with ranked scores.

Deposit Performance and Funding Mix

After seeing the Overview and your Franchise details, you can then compare your deposit beta to your peers and industry (the fleet). You can also see where your bank sits in the industry bell-shaped distribution.

We then compare your bank for funding mix and provide a breakdown to your cost of funds. Here we again show you your metrics, how it ranks against peers including the gap, and where you fall in the industry. In this manner, you are not only comparing yourself to an average or median, but to a distribution which is more instructive as we move into action.

Analyzing Geography

For the final part of our analysis, we wrap up what your state looks like when it comes to deposit pressure. For banks in NY and NJ, they are more susceptible to competition from other banks, credit unions, and money market funds, then banks in GA, TX, or NM (the reigning champ of state deposit stability).

How to Execute on This Data

The data is good, but let’s make it actionable. The higher your score, not only the more need you must improve deposit performance, but the more need you have to do it in a non-rate-based way.

While we will go into more depth at our annual sold-out Deposit Conference (HERE), our first stop is to look a if we have headwinds or tailwinds. For this, we check our Bank Balance Sheet Monitor (HERE) to see what is happening with Money Supply.

Here we validate the high correlation between money supply and deposits (85%) and see that money supply is flat to increasing. This means that we can adjust our pricing down, but that it is an ideal time to get an above average marketing response.

We also scroll down to see what our money market fund competition is doing against our treasury management clients and see that duration is shortening at these funds and rates are down currently hovering around a 3.67% as a top rate.

The Fall Deposit Playbook – What is Working Now

While we published the 7 Tactics to Implement in a Rising Rate Deposit Strategy that can help any bank, regardless of score, improve their deposit franchise value, below are deposit marketing campaigns that are currently working now.

These campaigns all play off the current uncertainty in the market and are around the theme of “Finish Strong. Start Ready.” The NFIB’s Business Sentiment index hit a high of 91 this month, evidencing that uncertainty is high. Getting businesses to save more now will play further into these tailwinds.

Next week, we will go more in-depth to these deposit playbook campaigns and provide more details around pricing and structure.

Until then, to check out your bank or your competitors, go below to our Deposit Vulnerability analysis complete with 2Q 2026 data.