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Planting for future growth

Show notes:


Everybody wants loans, and nobody wants deposits… except for the megabanks and neobanks. What do they know that community financial institutions don’t know? In part one of this two-part episode of Thinking Outside the Vault Kasasa’s Chief Research Analyst Patrick Dickson explains what the competition is thinking and how community financial institutions can develop a counter-strategy. It all comes down to cultivating relationships with consumers that can lead to significant growth down the road.


In this episode we discuss:

  • The balance sheet difficulties that most community financial institutions are facing.
  • The conventional solutions that many leaders will turn to in an attempt to rebalance their loan-to-deposit ratios.
  • How the work of growing your institution is akin to planting a forest or an orchard.
  • How megabanks and neobanks are carving up the retail banking space.
  • What you can do to establish relationships with consumers that will lead to future growth.


You can listen to the second part of this conversation here. 

What’s Kasasa?

Kasasa® is an award-winning financial technology and marketing services company dedicated to helping both community financial institutions and consumers experience what it means to “Be Proud of Your Money.” We’re known for providing reward checking accounts consumers love, the first-ever loan with Take-Backs™, relationship-powered referral programs, and ongoing expert consulting services to community financial institutions.

By working exclusively with community banks and credit unions, Kasasa is helping to strengthen local economies across the nation, building a virtuous cycle of keeping consumers’ dollars where they can do the most good. Our mission is to power a network of financial institutions in all 50 states offering products and services that are clearly beneficial for the consumer and the institutions offering them.

For more information, please visit www.kasasa.com, or visit Twitter, Facebook, or LinkedIn.