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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…

One of the most common mistakes that bankers make is benchmarking their institution against the wrong peer group. Many management teams spend hours discussing how their net interest margin (NIM) compares to the industry average, whether their efficiency ratio is above or below peers, or how deposit growth stacks up against other banks. The problem…