Peer Analysis & Balance Sheet Strategies Update

Banks and credit unions have begun to see different asset-liability management challenges emerge during 2025 compared to the last few years. Rate-cut expectations continue to shift towards more easing, as the entire yield curve has been subject to considerable volatility. Loan growth has slowed, and while many have experienced some relief on funding costs, deposit-gathering efforts remain challenging. Margins and earnings remain under pressure, liquidity and interest-rate risks continue to be front and center, and credit risks are beginning to emerge.

Join us Tuesday, November 18, from 11:00 to 11:45 a.m. for an informative webinar to hear an in-depth analysis of what is occurring on FHLBank Boston depository member balance sheets and review important trends in the capital markets, economy, and banking industry.

You’ll have an opportunity to hear from our presenters: FHLBank Boston’s Andrew Paolillo, vice president, director of member strategies and solutions, Caroline Casavant, senior financial strategist, and Tyler Buckeridge, sales and strategies specialist.

Webinar Topics:

• What are the key takeaways from FHLBank Boston members’ 2025 third-quarter call reports?
• What approaches are members using to support earnings, boost liquidity, and manage risk?
• What is the impact of deposit remixing and growth on cost of funds, as short-term rates have resumed moving lower?
• What does volatility in intermediate-tenor interest rates suggest about the direction, timing, and magnitude of potential moves in short-term interest rates?
• How will the transition from quantitative tightening to quantitative easing impact depository balance sheets?
• Do trends in inflation and unemployment suggest that a higher-for-longer interest-rate environment may persist, or is economic softness on the horizon?
• How have banks and credit unions fared in deposit growth and mix as competitive forces remain high?
• What are the signs of emerging credit stress in loan portfolios?
• What is happening with loan growth as liquidity remains tight, and rates persist at levels not seen in a very long time?
• What wholesale funding strategies are members using that align with current and future balance sheet needs?
• What lending, investment, and funding tactics should be considered going forward?