Michael lays out key principles to address in providing banking services today. Nicely done!

You might note in this century it has been the misperception that we can sustain low interest rates that has given the false impression to many that debt won't be a big burden. Low interest rates were certainly part of the cause of the excessive leverage… https://t.co/Z0JmjCKaCg

Thanks for posting this poll, John. It is true that high "real" interest levels are ultimately restrictive to the economy. However, we just recently moved into positive "real" interest rates. So we should be careful about predicting grave economic conseq… https://t.co/zq6pBZnyOr

I just discovered today that Q2's Purposeful Banker Podcast is now on YouTube! Alex Habet's series of podcasts were recently made available via YouTube, You can access the episode I joined Alex on below. I would highly recommend… https://t.co/dXhhEGzDk5

Check out the volatile ride of the 06/2024 CME FedWatch Fed Funds Futures Market data. Here is the graphic of the expected yields since December 2022. Last night the expected rate had risen to 5.08%. You can access this data at https://t.co/KHzOZC5Mz1…https://t.co/ixcbFAz8Z2

Below is an actual listing today on a website of a bank in the U.S.. This is the type of pricing that can only lead to backlash for banks. Money is after all the ultimate commodity. While there are economies of size and scale it is impossible to justif… https://t.co/VzFYNaCgTN

I encourage you to check out @ABWashBureau's Banking with Interest podcasts. #banking #podcast

In recent weeks and with today's unemployment not creating any downward pressure on interest rates the Fed Funds futures market has moved dramatically toward interest rates moving and staying higher. The graphic below is today's Fed Funds Futures summary… https://t.co/sMysfVVaVi

Novotta, LLC can help financial institutions pay a bonus rate of interest on deposit account growth. Check it out today at https://t.co/7iachBQUwS If you want to grow deposits without overpaying on interest expense, I highly recommend that you find out… https://t.co/ztGgRh9fGu

Great list offered by Endeavor Bank, few FDIC-insured institutions live up to these ideals. Bravo!

I guess I shouldn't be surprised, but I was today. I found that the highest standard term APYs offered by FIs currently (as reported by S&P Global) show the dispersion creates a near linear relationship between the number of FIs reporting APYs that range… https://t.co/tIE9tv7xez

There is one thing everyone needs to be clear eyed about today when it comes to interest rates - The inflation index the Fed focuses on is Core PCE. It is has dropped from its high of 5.4% in February 2022 to 4.6% in May 2023. You can see it is a long w… https://t.co/q6U4KEjht8

Prior to the Great Financial Crisis, I don't recall a societal consensus that low interest rates were universally "good" for an economy and high interest rates were universally "bad". This is a narrative that leadership developed as they searched for a wa… https://t.co/O7ZOjGV2Rd

Karen Kroll's ABA Banking Journal post well describes the issues bankers are facing currently with a heightened focus on banking resilience, the evolving banking business model and the proliferating number of choices available to b… https://t.co/OZWMNHadC1

Businesses must produce value to prosper. No business ever saved its way to prosperity. Another place to observe short-sightedness is in the drive to minimize cost of funds. Some bankers are so focused on holding down their cost of funds that they are… https://t.co/OjSxR9tLCD

With the 2Q 2023 finished now we can see what yields have been at the end of the last three quarters. Compared to YE 2022, the 1Q 2023 yields pivoted with the short end going up and everything longer than 1-year declining. The 2Q 2023 was a different… https://t.co/74iFznicFd

The proliferation of "New Money Only" deposit advertisements is a curious thing. For financial institutions that claim to be driven by relationship to offer explicit "New Money Only" offers are perplexing. Here's a thought when a competitor runs such a… https://t.co/3M3mMhJGKh

Innovation in deposit structure is occurring at a rigorous pace. Here is an ad I observed today that sparked many structural questions: So many questions to address here Mark: - Is the rate on all balances in this account variable or just the balances o… https://t.co/EnqSSt24P5

Mark, I always appreciate what you are doing for the banking industry. Now that interest rates are non-trivial, do any of your clients need help with deposits? We would love to assist in offering the best science and art of deposit pricing and sales to… https://t.co/HVggmNM47s

This Fall's Sheshunoff CEO Affiliation Program will feature a session on Dynamic Methods to With the Battle for Deposits along with other key topics that will give Bank CEOs the opportunity to develop durable competitive advantage.… https://t.co/innksPIU5O