Bank Analysis School September 2023 - Presentations & Resources

Internal Use Only

Which Resulted in a Mismatched Balance Sheet Structure

Asset Structure:

Extremely long-term (national outlier)

Short-term time CDs and immediately re priceable non-maturity deposits (savings and money market accounts) are fairly sensitive to interest rate changes due to intense local competition.

Funding Structure:

Internal Use Only

How did the Net Interest Margin React to Rising Interest Rates?

(Chat storm)