Looking to reduce interest expense and fund longer-term assets? The Federal Home Loan Bank of Boston's Core-Deposit Analysis can help you find a way, by quantifying what percentage of your deposits represent relatively long-term, fixed-rate funds.

Get to the Core of the Matter
How you invest core deposits can have a significant effect on your net interest income and market-value risk.

By tracking your deposit balances over a period of time, and comparing the interest rates paid with corresponding market rates, the model can help you estimate what portion of your deposits might be non-rate-sensitive.

For more information about the Core-Deposit Analysis, please contact your relationship manager. The model is also available through FHLB Direct, the Bank's online account-information and transaction service for registered members.