Exactly What is a Deposit Analysis and How Does It Work?

A deposit analysis studies the behavior of non-maturity deposits over time and provides institution-specific results needed to accurately estimate and manage interest rate and liquidity risk.

A Comprehensive Deposit Analysis from Mark H. Smith, Inc. employs an account level study to provide the highest quality analysis which includes the following:

  • Average Lives –The primary function in performing this analysis is to estimate decay for non-maturtity deposits.
  • Rate Sensitivity Factor and Lag –A historical beta coefficient is estimated for each account type. The historical data also provides an average delay period or lag.
  • Surge Deposits –Estimate of deposit increases contrary to longer-term historical balances and growth trends.
  • Rata Comparison –Compare results to regional, state, and national rate sensitivity factors and lags
  • Summary –A written summary of the results. Phone consultation available.

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