Peer Analysis & Balance Sheet Strategies Update

With 2026 well underway, banks and credit unions continue to navigate a challenging and shifting asset-liability management landscape. Expectations for further rate cuts have tempered as the Fed lowered rates by 0.75% in 2025, and the yield curve has moved out of deeply inverted territory. Loan growth has slowed, and while many have experienced some relief on funding costs, deposit gathering efforts remain challenging. Margins have begun to recover, but liquidity and interest-rate risks remain front and center, and credit risks are beginning to emerge.

Join us Thursday, February 19, 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 lending & strategies, Caroline Casavant, senior financial strategist, and Tyler Buckeridge, sales and strategies specialist.

Webinar Topics:

• What are the key takeaways from FHLBank Boston members’ 2025 fourth-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 do shifts 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 rate cuts may cease for now, 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 sectors and geographies maintained loan growth, and is it sustainable?
• What wholesale funding strategies are members using that align with current and future balance sheet needs?
• What lending, investment, and deposit tactics should be considered going forward?