Core Deposits

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Dictionary Says

Definition of 'Core Deposits'

The deposits made in a bank's natural demographic market. Banks count on core deposits as a stable source of funds for their lending base. Core deposits offer many advantages to banks, such as predictable costs and a measurement of the degree of customer loyalty.
Investopedia Says

Investopedia explains 'Core Deposits'

In addition to the advantages mentioned above, core deposits are generally less vulnerable to changes in short-term interest rates than CDs or money market accounts. Core deposits also encompass small denomination time deposits, as well as checking accounts. Banks can increase their core deposits with local marketing and customer incentives.
Search results for

'Core Deposits'

  • Refocusing on Deposits

    http://stocks.investopedia.com/stock-analysis/2008/Refocusing_on_Deposits_WFC_JPM_MS.aspx
    ... While it cites asset-based lending, credit cards and mortgage banking as a few of
    its key revenue drivers, it also notes the significance of its core deposits. ...

  • The Banking System: Commercial Banking - How Banks Make Money ...

    http://www.investopedia.com/university/banking-system/banking-system3.asp
    ... Generally referred to as "core deposits," these are typically the checking
    and savings accounts that so many people currently have. ...

  • When Wholesale Funding Goes Bad

    http://www.investopedia.com/articles/economics/09/when-wholesale-funding-goes-bad.asp
    ... funding. Why Wholesale Funding? If core deposits are such a cheap source
    of financing, why would anyone use wholesale funding? For ...

  • Remember Net Interest Margins?

    http://stocks.investopedia.com/stock-analysis/2009/Remember-Net-Interest-Margins-CFR-WABC-SIVB-BMRC-CATY0522.aspx
    ... The bank attributes this to its strong customer relationships that lead
    to higher core deposits, which are typically lower cost. ...

  • Comerica Q1 2011 Earnings Review

    http://stocks.investopedia.com/stock-analysis/2011/Comerica-Q1-2011-Earnings-Review-CMA0421.aspx
    ... The bank highlighted a $290 million increase in core deposits in the first quarter
    of 2011, which excludes institutional and retail brokered certificate of ...

  • Wells Fargo's Glass More Full Than Empty

    http://stocks.investopedia.com/stock-analysis/2011/Wells-Fargos-Glass-More-Full-Than-Empty-WFC-C-BAC-JPM-FNMA-FMCC0121.aspx
    ... Increases across the board in credit quality, strength in core deposits, as well
    as the integration of its Wachovia purchase, all formed part of the backdrop ...

  • After The Recession: A US Bank Body Count - Investopedia.com

    http://financialedge.investopedia.com/financial-edge/1009/After-The-Recession-A-U.S.-Bank-Body-Count.aspx
    ... These banks were a far cry from how banks had made their money in the past,
    the basic business of taking core deposits and lending. ...

  • Is It Time For Bank Stocks?

    http://stocks.investopedia.com/stock-analysis/2011/Is-It-Time-For-Bank-Stocks-KBE-IYF-FII-SCWB-WFC0531.aspx
    ... Analysts at Oppenheimer that have been looking at uncommon metrics such as "total
    franchise value," "loans plus core deposits" and "total dollar premiums" show ...

  • 4 Top Bank Stocks From 2010's First Half

    http://stocks.investopedia.com/stock-analysis/2010/4-Top-Bank-Stocks-From-2010s-First-Half-KBE-KRE-HBAN-RF-RBS-MTB0705.aspx
    ... The company reported a strong Q1 profit and also saw its net interest margin
    and core deposits rise. Net charge-offs ticked down ...

  • Texas Ratio Not The Holy Grail

    http://stocks.investopedia.com/stock-analysis/2008/Texas_Ratio_Not_The_Holy_Grail_ITYC_IDMC_WB.aspx
    ... These include the allowance for loan and lease losses to non-performing assets,
    and the level of core deposits as a percent of all deposits. ...

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