Deposits

Though the prospects for these small banks look good in 2018, they also face serious challenges, particularly in the competition for low-cost deposits against the more digitally savvy megabanks.

Investments in analytics and a focus on courting midsize businesses have helped regional banks add non-interest-bearing deposits even as they struggle for other types of deposits. Can they keep it up as rates rise?

On Dec. 31, 2017. Dollars in thousands.

The Rhode Island-based credit union saw lending and assets increase by more than 7 percent, respectively, while net income was up more than 15 percent.

Record originations on "better-yielding" used-car loans helped drive a 14% increase in its first-quarter profit. But Ally's shares were down Thursday on concerns of rising deposit costs.

The Ohio bank's total deposits grew, unlike at some other regionals, and CEO Stephen Steinour said its 28-basis-point increase in overall funding costs will pay off.

AssetMark Trust plans to offer a product for the $1 billion in cash it holds for clients.

The North Carolina-based credit union has released a report on its 2017 growth figures, including 5.1 percent member growth and loan growth of more than $300 million.

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Spread income offset higher expenses during the first quarter at the Maryland bank.

The Wall Street giant's acquisition of the app maker Clarity Money is only one part of a long-term strategy to build a digital retail bank from the ground up.

Though total loans and deposits were down from the end of 2017, management expressed optimism that things will pick up over the rest of this year.

The divide highlights a lingering question about how much commercial and retail depositors value cutting-edge technology over price — and whether midsize banks can keep pace with bigger rivals when it comes to tech investments.

The Oregon-based credit union reported "strong loan demand" in all regions it serves.

The Los Angeles bank also benefited from a reduced reliance on costlier certificates of deposit.

If banks with high loan-to-deposit ratios overpay for brokered and promotion-driven deposits to fuel loan growth, they run the eventual risk of a liquidity crunch in an era when deposits — and the economy itself — are expected to be more volatile.

The San Diego company said the deal will bring in low-cost deposits and create a new source of fee income.

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The field is crowded, but that’s not stopping well-established banks from trying to reach new markets by creating separately branded digital units.

On Dec. 31, 2017. Dollars in thousands.