Given the popularity of Muse, Instinct, Dots, ChatGPT, and other third-party agents, these tools have the capacity to alter deposit performance. These AI agents can continuously compare rates, fees, deposit insurance, bank safety and make strong recommendations including preparing account opening applications. Eventually, these agents will help a customer act. In this article, we examine...

In January 2022, we published an article called “Loan Hedging May Save Your Bank” (you may search for it here). At the time, Fed Funds rate was near zero and much of the industry still believed inflation was transitory. We argued otherwise and stated that inflation would erode the real value of fixed-rate loan margins,...

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...

In this episode, we sit down with renowned banking consultant, Jack Hubbard. With more than five decades of banking and consulting experience and over 81,000 bankers trained, Jack shares why the most successful banks move beyond traditional sales cultures and embrace a true performance culture. Click Here to Book a Call and Learn About the...

Today we feature a backstage interview from our recent Deposit Conference. We sit down with Brian Love from The Travaillian Group to discuss deposits, talent, and the rise of the Chief Deposit Officer. Click Here to Book a Call and Learn About the ARC Program   The views, information, or opinions expressed during this show...

Today we feature another backstage conversation from our 2026 Elevate Banking Forum. We sit down with Billy Boughey, keynote speaker and Founder of Elevate Experiences… and the first ever guest on the Community Bank Podcast!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not...

Today we share a special backstage interview from our 2026 Elevate Banking Forum with Dr. Elliot Eisenberg.   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC