Curinos

Deposit growth of any significance is a tough ask in the current rate environment. Still, financial institutions face an urgent need to find more cost-effective growth and retention opportunities. Join Curinos’ Brad Resnick and Ray Montague on November 9th for a high-impact webinar featuring practical insights and actionable strategies for finding success in a dynamic deposit marketplace. Learn more: https://hubs.li/Q025sHKt0

Nearly 10% of U.S. retail deposits will renew by the end of Q1 ’24. Engaging customers and members through the most accessible channel – digital – will be critical to CD renewal and retention. But many providers appear to be unprepared for the coming wave. https://hubs.li/Q025bnJd0 #CDrenewal #digitalbanking #CDrollovers #onlinebanking #directbanks #CDrates

Getting deposit pricing right is a central profit driver for smaller banking institutions in today's challenging environment. In the latest Curinos (F)Insights podcast, client solutions director Agusta Patton explains how data-driven insights can help smaller banks and credit unions make better pricing decisions that boost the bottom line. https://hubs.li/Q025b78p0

Did you miss our webinar on Network Optimization in a High-Rate Environment? Don’t worry — it’s available in its entirety right here: https://hubs.li/Q025hS500 See how Curinos’ Andrew Hovet and Chad Watkins say applying a market-by-market lens to branch closures and a fine-tuned reinvestment strategy can sustain customer and deposit growth.

In the current deposit environment, small business is a highly attractive segment. Join Curinos’ Adam Stockton on Nov. 14 at the 2023 American Banker Small Biz Banking Conference for a session on what makes small business banking relationships successful. Learn more: https://hubs.li/Q0258mqx0

Portfolio lenders are targeting borrowers at opposite ends of the spectrum – low-to-moderate income at one end, high wealth on the other. That’s because there’s less room on the balance sheet but rates for portfolio loans have increased relative to those sold into the secondary market. https://hubs.li/Q024RYzs0 #portfoliolending #mortgagerates# #fanniemae #freddiemac #balancesheetlending #mortgagerates #jumbomortgages

Many financial institutions are feeling pressure to reduce operating expenses, and sizable savings can be had by consolidating networks. But using the same selection and reinvestment process that accompanied 2020’s flood of branch closures would be a mistake — and careful reinvestment is more critical than ever. Don’t miss tomorrow's webinar on Network Optimization in a High-Rate Environment: https://hubs.li/Q022rx8v0

Curinos' John Sayre returns to today's podcast for a discussion on key data points from the residential lending markets and how lenders are utilizing that data to make more informed decisions #chrismancommentary #mortgagenews

MUST-READ: As the battle for deposits rages on, marketing incentives only grow in value and importance. Make sure you're taking advantage of their tremendous potential with our latest article featuring nine best practices for creating marketing incentives: https://hubs.li/Q024fKKp0

Branch closures could be on the docket for banks and credit unions facing growing operating expenses — but using the same strategies employed during 2020’s run of closures would be a major mistake. Join Curinos’ Andrew Hovet and Chad Watkins on October 11th as they discuss winning strategies for network optimization and the unique economic conditions at play. Register here: https://hubs.ly/Q0249rqB0