Winning Deposits Without Winning the Rate War
Consumers have more options for their deposits than ever before.
The Biggest Growth Opportunity Is Already in Your Data
We’ve spent the last three weeks discussing the core checking relationship as the most valuable yet underleveraged asset on a community bank balance sheet.
Turn Drifting CD Balances Into Anchored Relationships
Last week we talked about why the core checking relationship is the most undervalued asset on a community bank balance sheet.
Do you know the most profitable account in your institution?
If you’re unsure, you’re not the exception.
Your ideal households are already being targeted by another bank.
A lot of the latest banking reports are pointing to the same issue: deposit competition is intensifying again in 2026.
I Got a $3,000 Cash Offer This Week. Your Customers Did Too.
I received the highest cash incentive offer I’ve ever seen from a FI this week; a Private Client offer from J.P. Morgan Chase paying $3,000 when you deposit $500,000 into an account.
A Cleaner Way to Budget for Bank Marketing
I’m addressing a slightly different topic this week due to a question I run into regularly. It’s a simple question with surprisingly big implications:
The Community Bank Advantage No One Is Talking About
Most community banks are playing defense right now, and it’s not working. The institutions winning are creating demand instead of waiting for it.
When the Rules Loosen, Competition Tightens.
How community banks can prepare for faster-moving competitors and shifting deposit strategies.
FDIC signage update. Small change, bigger opportunity.
The FDIC recently finalized updates to its digital signage requirements for insured institutions, including clearer rules around homepage placement, login screens, account opening flows, and ATM displays.