Grid-based pricing is typically used to set the applicable margin of a loan based on performance measures such as credit rating or cash flow coverage.  But the same concept can be pointed at a different target: deposit balances.  The average commercial borrower focuses more on their cost of borrowing and less on return on deposits...

If there is one underutilized bank product that can build value, it is the savings account. Most banks not only woefully neglect marketing and developing the savings account but fail to invest the energy in understanding its strategic importance. In the same vein, branch traffic is an underutilized value. In this article, we explore how...

Up until this year, when a bank wanted to forecast the response to new deposit pricing, it either had to guess off its data, use a focus group or see the reaction to a test market. These methods were either inaccurate or took time. Now, synthetic data and AI-driven agents are starting to replace traditional...

In this episode, Chris Nichols sits down with Gwen Wertz, SVP of Retail Banking at Provident Bank, to discuss how her team drives deposit growth and manages funding costs in a competitive environment. Gwen shares practical insights from her experience leading deposit strategy meetings, building a culture of collaboration, and balancing acquisition with retention. The...

Today our own Chris Nichols sits down with Nathan Stovall from S&P Global Market Intelligence. They discuss current trends in the banking industry including the outlook for deposit growth and costs, the forecast for credit quality, bank M&A, regulation, and many other great topics. Learn more about The Deposit Conference! The views, information, or opinions...