Monitor deposit growth, rate sensitivity, competitive positioning, and funding optimization
Sum of all deposit account balances
Year-over-year deposit balance growth
Net new deposits month-to-date
Weighted average dividend rate across all deposits
Total interest expense as percentage of average deposits
Interest income minus interest expense as percentage of earning assets
Percentage of deposits in high sensitivity category
Deposits with high runoff probability
Percentage of deposits retained year-over-year
Percentage of maturing certificates that renew
Average annual profit per deposit account
Percentage of deposits in non-maturity accounts (more stable)
Product categories for deposit portfolio analysis and funding optimization.
| ID | Name / Characteristics | Filter | Decision Types |
|---|---|---|---|
| high_sensitivity |
High Sensitivity
Rate shoppers likely to move for better rates |
sensitivity_score >= 70 |
|
| medium_sensitivity |
Medium Sensitivity
Somewhat rate conscious |
sensitivity_score >= 40 AND sensitivity_score < 70 |
|
| low_sensitivity |
Low Sensitivity
Relationship-focused members |
sensitivity_score >= 20 AND sensitivity_score < 40 |
|
| rate_insensitive |
Rate Insensitive
Convenience-focused, not rate driven |
sensitivity_score < 20 |
| ID | Name / Characteristics | Filter | Decision Types |
|---|---|---|---|
| high_value | High Value ($50K+) | balance >= 50000 |
|
| medium_value | Medium Value ($10K-$50K) | balance >= 10000 AND balance < 50000 |
|
| low_value | Low Value ($1K-$10K) | balance >= 1000 AND balance < 10000 |
|
| minimal | Minimal (<$1K) | balance < 1000 |
| ID | Name / Characteristics | Filter | Decision Types |
|---|---|---|---|
| regular_shares | Regular Shares | — |
|
| money_market | Money Market | — |
|
| certificates | Share Certificates | — |
|
| checking | Checking | — |
|
| ira | IRA Accounts | — |
Decisions to adjust deposit rates based on competitive positioning or margin needs
competitive_gap
< -25
— Rates more than 25bps below market average
net_interest_margin
< 3.0
— NIM compression requiring rate review
deposit_growth_rate
< 2.0
— Deposit growth below target
Actions to retain at-risk deposits and high-value members
at_risk_deposits
> 35
— At-risk deposits exceeding threshold
rate_sensitivity_index
> 70
— High concentration of rate-sensitive deposits
retention_rate
< 92
— Retention rate below target
Decisions about deposit product offerings and structure
product_growth
any < 0
— Product category showing negative growth
non_maturity_ratio
< 65
— Over-reliance on certificates
market_share
declining
— Competitive position weakening
Actions for managing maturing certificates
maturing_certificates_30d
> 10
— Significant certificate maturities in next 30 days
certificate_renewal_rate
< 80
— Renewal rate below target
competitive_cd_rates
below_market
— CD rates not competitive
Decisions to optimize deposit funding mix and cost
cost_of_funds
> 3.0
— Cost of funds above target
loan_to_deposit_ratio
> 85
— Funding pressure from loan growth
liquidity_position
< target
— Liquidity below policy minimum
| Level | Role | Can Approve |
|---|---|---|
| 1 | Deposit Analyst | term_optimization |
| 2 | Deposit Manager | targeted_rate_offerrenewal_campaignconversion_offer |
| 2 | Branch Manager | relationship_outreach |
| 3 | Product Manager | product_promotion |
| 3 | Marketing Manager | promotional_rateloyalty_programcross_sell_campaigndeposit_campaign |
| 4 | Treasurer | tiered_rate_changespecial_renewal_rate |
| 4 | VP Retail Banking | product_repricing |
| 5 | Chief Financial Officer | wholesale_funding |
| 5 | ALCO Committee | increase_ratesdecrease_ratesproduct_mix_shiftrate_strategy_review |
| 6 | Executive Team | new_product_launchproduct_retirement |
stateDiagram-v2
[*] --> surfaced
[*] --> acknowledged
[*] --> analyzing
[*] --> action_planned
[*] --> action_taken
outcome_tracked --> [*]
deferred --> [*]
dismissed --> [*]
| State | ID | Description | Terminal |
|---|---|---|---|
Surfaced |
surfaced | Deposit insight identified, awaiting review | No |
Acknowledged |
acknowledged | Responsible party has reviewed | No |
Analyzing |
analyzing | Impact analysis in progress | No |
Action Planned |
action_planned | Response strategy defined | No |
Action Taken |
action_taken | Rate or program change implemented | No |
Outcome Tracked |
outcome_tracked | Results measured and documented | Yes |
Deferred |
deferred | Postponed with rationale | Yes (requires rationale) |
Dismissed |
dismissed | Not actionable with rationale | Yes (requires rationale) |
| Decision Type | Response Window | Escalation Path |
|---|---|---|
| rate_adjustment | 7_days | treasurer (2_days) → cfo (5_days) → alco_chair (7_days) |
| retention_intervention | 14_days | deposit_manager (3_days) → vp_retail (7_days) → cfo (14_days) |
| product_strategy | 30_days | product_manager (7_days) → vp_retail (14_days) → ceo (30_days) |
| certificate_maturity | 7_days | deposit_manager (2_days) → treasurer (5_days) → cfo (7_days) |
| funding_optimization | 14_days | treasurer (3_days) → cfo (7_days) → alco_chair (14_days) |
erDiagram
DEPOSIT_ACCOUNT {
uuid account_id
string product_type
currency current_balance
decimal current_rate
integer rate_sensitivity_score
integer profitability_score
}
PRODUCT_TYPE {
string product_name
enum product_category
decimal base_rate
currency min_balance
}
RATE_SENSITIVITY {
integer sensitivity_score
enum sensitivity_category
decimal runoff_risk
}
COMPETITIVE_BENCHMARK {
decimal your_rate
decimal market_avg
decimal top_quartile
}
| Attribute | Type | Key |
|---|---|---|
| account_id | uuid | |
| product_type | string | |
| current_balance | currency | |
| current_rate | decimal | |
| rate_sensitivity_score | integer | |
| profitability_score | integer |
| Attribute | Type | Key |
|---|---|---|
| product_name | string | |
| product_category | enum | |
| base_rate | decimal | |
| min_balance | currency |
| Attribute | Type | Key |
|---|---|---|
| sensitivity_score | integer | |
| sensitivity_category | enum | |
| runoff_risk | decimal |
| Attribute | Type | Key |
|---|---|---|
| your_rate | decimal | |
| market_avg | decimal | |
| top_quartile | decimal |