Deposit Analytics Intelligence

Executive Summary

Q4 2025 • Deposit Portfolio Review

Total Deposits
$0.0M
+3.2% YoY growth
Retention Rate
94.3%
Exceeds target
Net Interest Margin
3.28%
Cost of Funds: 2.62%

Rate & Sensitivity Analysis

2.85%
Avg Rate Paid
2.62%
Cost of Funds
68
Sensitivity Index
$0.0M
At-Risk Deposits
82.5%
CD Renewal Rate
$0.0M
Maturing (30d)

Key Deposit Insights

Elevated Rate Sensitivity — 68% high-sensitivity
Strong Deposit Growth — 3.2% YoY to $487.2M
Competitive Rate Position — At or above market
Certificate Maturities — $12.5M in 30 days

Pending Decisions (2)

Certificate Maturity Management
$12.5M in certificates maturing in next 30 days
Retention Intervention
Rate sensitivity at 68% - elevated retention risk for rate-sensitive deposits

Strategic Recommendations

1
Targeted Retention
Proactive outreach.
Expected Impact: Reduce at-risk by $5-8M
2
Certificate Renewal
Contact maturing members.
Expected Impact: Improve renewal to 88%

Decision Pipeline Status

3
Total Decisions
2
Pending
1
Resolved
%
SLA Compliance