Consumer and small business deposit activity has outperformed last year's results through the first three quarters of 2025. However, the deposit market's future performance remains heavily dependent on the interest rate environment. It remains unclear when the next rate cuts will come or how many cuts the coming months may bring.

This eBook provides a deep analysis of year-to-date deposit market results through the end of August 2025 and compares how various rate scenarios might impact market performance into 2026. Drawing on deep, timely, and comprehensive insights from ProSight's Retail Banking Benchmarking program along with proprietary intelligence from Equifax's IXI Network, the eBook examines multiple avenues financial institutions can explore in seeking to outperform peers in this challenging environment.