Deposit Growth in the Time of Market Volatility

Featuring: Alloy Labs Founder & CEO Jason Henrichs

A healthy loan-to-deposit (LTD) ratio is the cornerstone of a thriving bank or credit union. With rising interest rates and changes in consumer spending, many financial institutions are realizing that their LTD ratio is out of proportion.  

Without deposits, they can’t generate interest income. But the battle for deposits is intensifying with large banks and digital natives now offering high-yield savings and checking accounts to lure once-loyal consumers away from their current institution.

The key to succeeding in this new market environment is to focus on deepening each relationship—not engaging in the rate war. Chasing short-term victories will hinder your long-term success. 


Key takeaways from the webinar: 

  • How to nurture relationships that maximize customer/member lifetime value 
  • How to implement a comprehensive, ongoing engagement strategy that will drive deposit growth 
  • How to educate consumers about the benefits of specific banking products and increase cross-sell success