cost of funds

How To Get Off The Hot Rate Ferris Wheel

I recently spoke at the DCI Annual Users Conference and the ABA Bank Marketing Conference about, among other things, how bankers can get off the the “hot rate” kick. I […]


A Time of Reckoning for Your Bank’s Core Deposits?

Bye-bye municipal deposits. So worries New Jersey Banker’s Association CEO John McWeeney since state-owned bank advocate Phil Murphy was elected governor. The state’s municipal deposits approximate $20 billion, $13 billion […]


Which Bank Will Blink on Rate?

March 10, 2017 | Jeff For Banks

It happened. I received an e-mail this week for a 13-month CD special. The ad insisted it would make me happy. Instead, sadness. Sad that this bank thought I wouldn’t […]


Different Paths to Superior Bank Profits

October 21, 2015 | Jeff For Banks

I frequently moderate strategic planning retreats. A recent discussion surrounding bank peer groups was very interesting. I have written and spoken about using peer groups constructively versus striving for “above […]