February 20, 2025

February Peer Analysis & Balance Sheet Strategies Update

As 2025 begins, banks and credit unions face an environment where market expectations for short-term rate cuts have been significantly reduced. Loan growth has slowed, and while the start of the rate-cutting cycle has provided some relief on the cost of funds, deposit-gathering efforts remain challenging. Margins and earnings remain under pressure, liquidity and interest-rate risks are still front and center, and credit risks loom.

Register

Join us Thursday, February 20, from 11:00 to 11:45 a.m. for an informative 45-minute 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.

Webinar Topics

  • What are key takeaways from FHLBank Boston members’ 2024 fourth-quarter call reports?
  • What approaches are members using to support earnings, boost liquidity, and manage risk?
  • How much more pressure on the cost of funds is to be expected, even as short-term rates have started to move lower?
  • What does the lift in intermediate-tenor interest rates suggest about the direction, timing, and magnitude of potential moves in short-term interest rates?
  • Do trends in inflation and unemployment suggest that a higher-for-longer interest rate environment may persist?
  • How have banks and credit unions fared in deposit growth and mix as market rates remain high?
  • Have there been any signs of 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?

Meet Our Experts:

As the vice president, director of member strategies and solutions at FHLBank Boston, Andrew Paolillo leads the strategies team in creating customized funding strategies for members. Andrew has experience as a portfolio manager, trader, and analyst, and is well-versed in developing asset liability management (ALCO) strategies tailored to financial institutions’ needs.

Derek Hamilton joined FHLBank Boston in 2024 as a senior financial strategist, bringing a unique blend of expertise and passion to the role. He is a seasoned financial services professional with nearly 15 years of experience in both banking and financial analysis. Derek employs data-driven techniques to better understand members' needs and develops strategies and solutions to help them manage their balance sheets more effectively.  

Date + Time

Thursday, February 20, 2025
11:00 a.m. to 11:45 a.m.
No Charge
​Questions? Please contact Stacy McCarthy.

Register

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