State of the U.S. Deposit Market

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Stabilizing interest rates and economic conditions have driven improvements in U.S. deposit market performance in 2024. However, uncertainty persists as the post-pandemic economic recovery remains tenuous and as financial markets await clarity on the November elections and other impactful issues.

This eBook offers a thorough quantitative and qualitative analysis of the institutional and attitudinal data generated by BAI's comprehensive research and benchmarking programs. Financial institutions can use it to assess their performance relative to peers, evaluate their strategies and position themselves in response to emerging market dynamics.

Use the analysis to:

Understand how improving consumer optimism and strong small business balance growth have helped return the deposit market to a state of post-pandemic equilibrium
Compare this year's stronger consumer deposit market performance to the turbulence of 2023
Explore how small business balance growth has outpaced initial projections to reach positive territory
Prepare for the expected falling-rate cycle and its projected effects on overall deposit balance growth as the market moves into 2025 and beyond

Download the eBook for complete access to BAI's deep analytical insights.