2017 Funding and Deposits Report

The marketplace for deposits remained relatively stable throughout 2016. The small increase in the federal funds rate at the end of 2015 did raise the cost of funding, but, overall, funding costs stayed at historically low rates and most banks—money center institutions, large regional banks, and community banks—remained fairly flush with deposits.  Read more...

Divider

2017 Fundign and Deposits Report

Bank Executive Business Outlook Survey 2016, Q3

For those betting that the direction of the economy and the banking sector would become clearer this fall, you may need to pull out your wallets and pay up. After rising for two consecutive quarters, the Banker Confidence IndexSM (Index) dropped in the third quarter by 2 points over the 2nd quarter to 50.1—indicating that the banking sector is still cautious about its prospects over the next year. Read more...

Divider

Q3 2016 Banker Survey

Bank Executive Business Outlook Survey 2016, Q2

The second quarter of 2016 did not offer a lot of answers for bank leaders looking to assess the direction of the economy and their industry. In general, C-level bank executives expressed a degree of optimism about some of the core conditions affecting their institutions. Read more...

Divider

Q2 2015 Banker Survey Image

Bank Executive Business Outlook Survey 2016, Q1

A year ago when Promontory Interfinancial Network’s Bank Executive Business Outlook Survey was launched, the banking sector was generally bullish about the future of the industry. The prospect of Fed rate hikes and evidence of a rise in lending demand gave hope of a “return to normalcy” for the financial sector. Read more...

Divider

Q1 2015 Banker Survey Image

Bank Executive Business Outlook Survey 2015, Q4

The big question of when the Federal Reserve would start raising rates was answered in December 2015. With that decision, the Federal Reserve changed the direction of interest rate policy for the first time since the advent of the financial crisis and Great Recession. Read more...

Divider

PIN ES Q4 15 173X134

Bank Executive Business Outlook Survey 2015, Q3

As momentum picks up for an expected rate increase at the end of 2015 or early 2016, bankers appear to be largely optimistic about the impact a potential increase might have on their institutions. Read more...

Divider

Promontory Executive Survey Q3 2015 Cover

Bank Executive Business Outlook Survey 2015, Q2

Until now, the primary evidence that we’re reaching the end of cheap funding for banks has been anecdotal. Statements from large banking-industry bellwethers have predicted an impending scramble for certain deposits and a steep rise in funding costs. Now, we’re seeing some early indications that the shift to a tighter funding environment is starting to happen. Read more...

Divider

Q2 2015 Banker Survey Image

Bank Executive Business Outlook Survey 2015, Q1

The banking sector has experienced a period of unprecedented structural change in recent years. Today’s bankers contend with a myriad of challenges, including post-crisis regulations, a more demanding consumer, and new competition from inside and outside of the industry. Read more...

Bank Survey Cover Image