The value of small-business deposits

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SMALL-BUSINESS DEPOSITS ARE GOLD: This interest-rate up-cycle has shown that the deposits of small-business are stickier and have lower betas than consumer, commercial, or wealth deposits. But research by Curinos shows that if the bank has a lending relationship as well as a deposit relationship with a small business, the deposit balance averages 2.3 times higher after three years compared to deposit-only relationships.