I had the opportunity yesterday (July 2025) to present a webinar to nCino's Portfolio Analytics clients on a topic that continues to be very relevant, and some would say urgent: Know Your Deposits: Avoiding Hidden Risks in Interest Rate and Liquidity Risk Management. Too often, we still rely on static categories like “core” vs. “non-core” or “sticky” vs. “non-sticky”, but those binary labels just don’t hold up in today’s environment. Digital banking, rate-shopping apps, real-