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Posts tagged with "core deposits"


Rates are falling. Margins Are Shrinking. Why, and What Next?

Last month we wrote about an upcoming cut in interest rates. At the time, we wrote about what financial institutions—especially smaller institutions—should expect. A couple of days later the Federal Reserve announced the first target Fed Funds rate cut in a decade. So now we have some clarity—what can we learn? Managing rates is a…

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Why Business Checking Now

Does it make sense for business bankers to seek core deposits from their customers? This question was posed to me by a senior lender at a Northeast bank that had a declining loan to deposit ratio. This was putting pressure on the bank’s net interest margin…a story all too common in the current economic environment….

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