Correspondent Blog
Tag: Average Deposit Life
10/30/25
An Idea For Improving Deposit Balances and Profitability Given Falling Rates
During a regulatory exam, one of the first questions you will be asked these days is your percentage of uninsured deposits to total deposits. The concern is grounded in the SVB/First Republic 2023 liquidity crisis and data that shows higher balance accounts are more interest rate and risk-sensitive than lower balance accounts. In this article,…