In an environment marked by rising funding costs, increased deposit mobility, persistent unrealized losses in bond portfolios, and heightened regulatory scrutiny, I wanted to share some practical ideas for how to ensure your liquidity stress testing is a truly meaningful and actionable exercise. 👉 Deposit Segmentation: One of the most persistent challenges I’ve seen over the years is effectively segmenting the deposit portfolio to truly identify where potential outflow risk

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-

One of the most common pitfalls in liquidity stress testing is using scenarios that escalate in severity but lack internal consistency....

In an era marked by rapid interest rate shifts, evolving depositor behavior, and geopolitical uncertainty, financial institutions can no...