State of
U.S. Deposits

Watch this installment of the quarterly webinar series to stay informed on the latest insights impacting the consumer and small business ecosystem. Our industry experts share the latest deposit shifts and trends.

To help financial services leaders navigate current market conditions, BAI leverages insights from financial services leaders and an industry-leading data network. These presentations are informed by real data from the latest consumer and small business weekly deposit reports and our team of industry analysts.

Get the latest data and implications to these critical questions:

• What are the latest trends and shifts in consumer and small business deposit activities?
• What is driving these changes?
• How do they vary by segment and bank size?
• How will deposit trends impact how banks serve the consumer and small business markets through the end of the year and into 2026?

PRESENTERS:

Tom Hoscheidt
Managing Director, Research
BAI

Tom is a seasoned veteran in the financial services industry, with over 40 years of experience focusing on research and competitive benchmarking. For the past two decades, he has played a vital role as managing director within BAI's research department and served as a lead architect of BAI's consumer and business benchmarking programs. Presently, Tom channels his expertise into Thought Leadership, New Product Development, and Client Relationship Management. A trusted industry speaker, Tom shares his insights at prestigious events including BAI's quarterly State of Deposits webinar, leading Deposit Pricing Conferences, and Industry Insights presentations to CBA's Deposit and Payments Committee.

Isio Nelson
Managing Director, Thought Leadership, Fraud & Research
BAI

Isio is Managing Director of Thought Leadership, Fraud & Research at BAI. In his role, Isio has three distinct leadership roles responsible for the thought leadership that helps inform the financial services industry, leading BAI’s Fraud Initiatives, and leading the industry-leading syndicated research and consortium-based comparative benchmarking research for U.S. Retail Banking providers. Prior to BAI, Isio led multiple teams and business units at Equifax, IXI, Citi, Capital One, and a Startup Fintech lender where he consistently leveraged client needs and market demands to drive strong double-digit growth for his representative companies. Isio holds a Master of Business Administration from the Kellogg School of Management – Northwestern University.