Deposit relief or chasing deposits?
Banks received a reprieve at the end of 2025 as decreases in interest rates from the Federal Reserve coincided with a decrease in deposit pricing, helping to improve net interest margins. Banks can’t get complacent as competition is increasing and loan growth, while improving, remains somewhat spotty. Banks will have to make decisions about relationship value as it relates to tighter or looser pricing around deposits. Aside from deposit pricing, larger banks such as JPMorgan, Bank of America, and PNC have gone back to adding new bank branches to increase deposits and market share. Why are…
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