It’s Fifty-Fifty, your
funding source is the deciding factor
...There are two major factors that play a role in determining a bank’s net
interest margin over the next 12 months. The first is obviously the rise in
market interest rates. The second is a bank’s funding mix. Is the bank
traditionally funded by core deposits and small CDs, or does it rely on
non-core funding like brokered deposits and borrowings? ...[more]
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