.
Rates on domestic deposits were as much as 230 basis points below yields on 3-month Treasuries during the last tightening cycle.

Bank Margin Growth Depends on More than Rates: Interactive Graphic

Deposit costs lagged short-term interest rates on the way up and the way down during the last cycle. A relatively large representation of long-term certificates of deposits could help as rates rise.

To continue, please log in, register or subscribe.
Already a subscriber? Log in here
Please note you must now log in with your email address and password.

Already a subscriber? Log in here
Please note you must now log in with your email address and password.