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...

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...

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...

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...