Bank Watch: September 2026
Core Deposit Intangibles - 2026 Update
Core deposits may appear as liabilities on a bank’s balance sheet, but stable, low-cost funding relationships can be among its most valuable assets. This article explains the fundamentals of core deposit intangible valuation and examines 2026 trends in CDI values, interest rates, deposit growth, and transaction activity. While CDI values have remained resilient, their outlook will depend on deposit pricing, customer retention, and the path of market rates.
