Effective deposit cost
3.42%+0.08 pp this quarter
Q2 2026Overview
Deposit beta
38.6%Full-cycle
vs. 31.3% industryAt risk after 50 bp move
$6.0M7.1% of interest-bearing deposits
Rate Advisor estimateRate Watch alerts
32 new this week
Millbrook & Saline counties90-day runoff forecast if unmatched
today+15d+30d+45d+60d+75d+90d
Recent competitor moves
First County Bank raised its 12-month CD from 4.35% to 4.75% in Millbrook County.
Same countyWhy it matters: this is the term making up the largest share of your CD book renewing next quarter.
Last quarter's forecast
Forecast dated 2026-04-15Hit
12-month CD balances will decline 4 to 7 percent over 90 days if the posted rate is not raised.
Balances declined 5.8 percent, within the forecast range.