In Q2, non-interest-bearing (NIB) DDA balance levels remained flat in aggregate, but the spread between top and bottom performers widened. This is direct evidence that competition is intensifying for a relatively stable pool of NIB DDA and a growing gap is separating winners and losers. On average, NIB DDA products shrank by 0.4%, pulled down by a notable 2.6% drop in ECR DDA at regionals, while the straight averages across products and peer groups were mostly within the range of +/-1% (Figure 1).
Figure 1: NIB DDA Portfolio Growth, April to June 2025 – Straight Averages
Source(s): Curinos Commercial Deposit Analyzer
The percentile views of how specific peers performed, however, reveal a more nuanced story. The most dramatic difference was within NIB DDA, with a performance distribution across all banks of nearly 12 points, between -4% and +8%. This was widest among national banks, where the top quartile banks grew NIB DDA by 12% or more and the bottom banks shrunk by at least 4% (Figure 2).
Figure 2: NIB DDA Portfolio Growth, April to June 2025 – Percentiles
Source(s): Curinos Commercial Deposit Analyzer
These views by individual institution confirm that looking at the full distribution of peer performance, like that shown on Curinos’ Commercial Deposit Analyzer, is critical to setting any commercial bank’s deposit strategy and correctly evaluating its execution.
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