Rate Watch
LiveSee which named local peers are actually paying up for deposits.
Named, same-county peers' real deposit cost, by category, compared quarter over quarter from public Call Report filings — a lagging but real signal, not a same-day posted-rate alert.
Look up any real institution
Search any FDIC-insured bank to see which of its named peers in the same county had a real, reported deposit-cost increase last quarter.
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What this does not do yet
This shows real, Call Report-derived average paid cost, changed quarter over quarter — it does not show a named competitor’s currently posted rate, and it cannot tell you about a rate move the day it happens. That’s not because the data doesn’t exist — banks publish their own posted rates on their own rate sheets and websites — it’s because OptimaYield hasn’t built a posted-rate collector yet. That collector needs a governed vendor feed with confidence-scored, source-hashed observations, the same evidence standard as everything else on this site, and it’s planned for a future release (see Rate Advisor for the same boundary).
Want this compared against real peers, three pages at once
The free Deposit Gap Report puts your institution’s cost, beta, and maturity wall next to 25 real peers.