For Coppermark Bank in Oklahoma City, as for many U.S. banks, 2009 has been a rebuilding year, and it has fallen on senior executive vice president and chief operating officer Jacque Fiegel to lead efforts to grow deposits, improve IT systems, and generally boost customer confidence.

The renewed industry-wide emphasis on retail deposits led to the February launch of a new free high-interest checking product, which rapidly brought in $4 million in new money. As of June 30, retail deposits were up $90 million, or 29 percent, from the same period a year earlier, and the bank's loan-to-deposit ratio has fallen to 95 percent, from 100 percent a year earlier.

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