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• Elevated funding costs and shrinking deposits are stressing regional and mid-sized banks
• March 2023 exposed the gap between diversified funding and concentration risk
• Deposit segmentation by use, insurance status and business line is now standard
• Regulatory shifts demand stress tests for below well capitalized scenarios
• Reciprocal networks convert uninsured deposits into insured balances to stabilize funding
• Monitoring now tracks social sentiment, news and sector ETFs for early warning
• Inverted curves compress spreads and intensify competition for rate sensitive clients
• Contingency funding plans must be tested with realistic liquidity assumptions
• Capital and liquidity ratings directly affect key deposit relationships
• Integrated management of liquidity, rate risk and capital is essential