This Fall's Sheshunoff CEO Affiliation Program will feature a session on Dynamic Methods to With the Battle for Deposits along with other key topics that will give Bank CEOs the opportunity to develop durable competitive advantage.…lnkd.in/gykjjqX2 lnkd.in/eZcVVZD

Mark, I always appreciate what you are doing for the banking industry. Now that interest rates are non-trivial, do any of your clients need help with deposits? We would love to assist in offering the best science and art of deposit pricing and sales to…lnkd.in/g5g9MJYc

Innovation in deposit structure is occurring at a rigorous pace. Here is an ad I observed today that sparked many structural questions: So many questions to address here Mark: - Is the rate on all balances in this account variable or just the balances o…lnkd.in/gjg3Q2H3

The proliferation of "New Money Only" deposit advertisements is a curious thing. For financial institutions that claim to be driven by relationship to offer explicit "New Money Only" offers are perplexing. Here's a thought when a competitor runs such a…lnkd.in/gimF6zFn

With the 2Q 2023 finished now we can see what yields have been at the end of the last three quarters. Compared to YE 2022, the 1Q 2023 yields pivoted with the short end going up and everything longer than 1-year declining. The 2Q 2023 was a different…lnkd.in/g2vdGNzA

Businesses must produce value to prosper. No business ever saved its way to prosperity. Another place to observe short-sightedness is in the drive to minimize cost of funds. Some bankers are so focused on holding down their cost of funds that they are…lnkd.in/gDuccwRf

Karen Kroll's ABA Banking Journal post well describes the issues bankers are facing currently with a heightened focus on banking resilience, the evolving banking business model and the proliferating number of choices available to b…lnkd.in/gkPrwm9D lnkd.in/gFq2S3eq

Prior to the Great Financial Crisis, I don't recall a societal consensus that low interest rates were universally "good" for an economy and high interest rates were universally "bad". This is a narrative that leadership developed as they searched for a wa…lnkd.in/gru-zutr

There is one thing everyone needs to be clear eyed about today when it comes to interest rates - The inflation index the Fed focuses on is Core PCE. It is has dropped from its high of 5.4% in February 2022 to 4.6% in May 2023. You can see it is a long w…lnkd.in/gsFcEmN5

I guess I shouldn't be surprised, but I was today. I found that the highest standard term APYs offered by FIs currently (as reported by S&P Global) show the dispersion creates a near linear relationship between the number of FIs reporting APYs that range…lnkd.in/gFytW2aV

Great list offered by Endeavor Bank, few FDIC-insured institutions live up to these ideals. Bravo! lnkd.in/gJTW9PSs

Novotta, LLC can help financial institutions pay a bonus rate of interest on deposit account growth. Check it out today at lnkd.in/gW6SF9-w If you want to grow deposits without overpaying on interest expense, I highly recommend that you find out…lnkd.in/g4BfMBKB

In recent weeks and with today's unemployment not creating any downward pressure on interest rates the Fed Funds futures market has moved dramatically toward interest rates moving and staying higher. The graphic below is today's Fed Funds Futures summary…lnkd.in/g4bZ3zuJ

I encourage you to check out Rob Blackwell's Banking with Interest podcasts. #banking #podcast lnkd.in/g4iAwwxj

Below is an actual listing today on a website of a bank in the U.S.. This is the type of pricing that can only lead to backlash for banks. Money is after all the ultimate commodity. While there are economies of size and scale it is impossible to justif…lnkd.in/gGXY6Hsw

Check out the volatile ride of the 06/2024 CME FedWatch Fed Funds Futures Market data. Here is the graphic of the expected yields since December 2022. Last night the expected rate had risen to 5.08%. You can access this data at lnkd.in/gymxrSgN…lnkd.in/gT_fu94y

I just discovered today that Q2's Purposeful Banker Podcast is now on YouTube! Alex Habet's series of podcasts were recently made available via YouTube, You can access the episode I joined Alex on below. I would highly recommend…lnkd.in/gHfHQJfi lnkd.in/gtTQEdij

Thanks for posting this poll, John. It is true that high "real" interest levels are ultimately restrictive to the economy. However, we just recently moved into positive "real" interest rates. So we should be careful about predicting grave economic conseq…lnkd.in/gUWvMCeb

You might note in this century it has been the misperception that we can sustain low interest rates that has given the false impression to many that debt won't be a big burden. Low interest rates were certainly part of the cause of the excessive leverage…lnkd.in/gybWuZNP

Michael lays out key principles to address in providing banking services today. Nicely done! lnkd.in/grhapAN3