The Broadcast
Our content and insights are built on the knowledge of Curinos industry practitioners. We leverage performance and experience data to help our clients

The Broadcast

Agusta Patton, Head of Markets Client Solutions at Curinos, discusses today’s challenging deposit-pricing environment and explains how data-driven insights generated by Curinos’ new Deposit Optimizer Essentials solution can help smaller institutions price right and increase profitability.

Built on trusted expertise, the Curinos (F)insights podcast examines market challenges in the financial services industry. Access all podcast episodes here.?

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What Curinos Thinks

2024 Deposit Growth May Not Meet Expectations

According to a recent Curinos poll of banking professionals, 55% expect their institution to grow deposits by 1% or more in 2024, with nearly a third of them estimating a growth rate of at least 3%. But fully 84% of the same respondents say deposit volume for the industry will remain flat.

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Commercial Deposit Balances Stabilized In The Third Quarter?

Curinos attributes the average deposit growth in Q3 to three primary factors:

  1. Most banks showed they were willing to use rate aggressively to retain or buy back balances.
  2. Bank credit worries on the part of commercial depositors have largely subsided.
  3. Macroeconomic conditions improved during the third quarter, buoying total money supply.

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The Need For A Deposit Playbook

The migration of deposits from physical to digital is accelerating rapidly, thanks to technology, changing consumer preferences and the reemergence of high-rate CDs. Without the right playbook, institutions may raise deposit rates too broadly and unnecessarily reprice their back book.

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In The Press

Curinos launches new deposit management platform to help community banks and credit unions achieve funding goals

Deposit Optimizer Essentials delivers best-in-class analytics more cost-efficiently than hiring a large data-analysis team.

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Curinos launches portfolio-level insights within their LendersBenchmark Analyzer, Small Business Lending consortium to deliver complete lending product lifecycle views

LendersBenchmark Analyzer for Small Business Lending Portfolio now gives lenders the ability to proactively manage their portfolios and reduce risk to optimize performance versus peers.

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Curinos Events

It’s not too late to register for our upcoming events:

Webinar

5 Strategies For Reducing Consumer Deposit Interest Expense

Curinos expects interest rates to stay higher for longer and that deposit growth will remain a challenge. In this challenging environment, community banks and credit unions face an urgent need to explore cost-effective growth and retention opportunities.

Join us for a high-impact webinar that will provide practical insights and actionable strategies to better position your institution for success in a dynamic deposit marketplace.

?? November 9 | ?? 2pm ET | ?? Register here


Speaking Session at the 2023 American Banker Small Business Conference

Small Business: Big Opportunity

Curinos’ Adam Stockton will join Manny Tocco of Citizens Bank to discuss what makes for a successful banking relationship with small businesses on both sides of the balance sheet.

Our team will be onsite at the 2023 American Banking Small Biz Banking Conference

November 13–15 and available to demonstrate our powerful LendersBenchmark Analyzer tool. Visit us at booth #216.

?? November 15 | ?? 9am CT | ?? Register here


Curinos Website | LinkedIn |?Twitter

Who is Curinos? Curinos is the leading provider of data, technologies and insights that enable financial institutions to make better, and more profitable data-driven decisions faster. Learn more about us at curinos.com.

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