EFuturesCFO · Banking Suite
Deposit Growth & Cost of Funds
Analyze deposit mix, pricing strategies, beta sensitivity, and funding stability. Understand how deposit composition drives your cost of funds and liquidity position.
Executive Summary
Deposit Type Breakdown
Deposit & Cost Projection
Cost Reduction Levers
Methodology
Cost of Funds = Total Interest Expense ÷ Total Deposits. Deposit Beta = change in deposit rate ÷ change in Fed Funds rate. Core deposits = non-brokered, relationship-based funding. Stickiness = probability deposits remain under stress. Benchmark CoF: 1.5-3.0% depending on rate environment. Core deposit ratio target: 70%+. Uninsured deposits benchmark: <30%.