How The Fed Will Impact Your Deposit Beta
South State Correspondent
MAY 9, 2022
That 9% does not include specialty consumer banks or fintech companies. Therefore, we would expect industry beta to be closer to that seen in the 2004 to 2007 tightening cycle of 40% to 50%. Those community banks that do not directly compete against national, regional or online lenders will also have lower betas.
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