2024 Depositor Priorities Survey: Key Takeaways
At Ampersand, understanding the evolving priorities of depositors is at the core of our mission. That’s why we commission an annual, independent survey of corporate finance leaders, bankers, and financial decision-makers across various sectors.
The 2024 Depositor Priorities Survey provides critical insights into how depositors are responding to economic uncertainty, bank failures, and shifting industry trends.
Key Findings from the 2024 Survey
- Bank safety remains a top concern. 90% of depositors express ongoing concerns about the security of their deposits, and 70% have already adjusted their deposit strategies in response.
- Liquidity assurance is critical. Nearly 43% of depositors say their banking experience would improve significantly if their institution could guarantee access to funds when needed.
- Loan requirements are limiting depositor choices. 61% of respondents report being restricted in selecting a financial institution due to loan covenants—more than double the 28% who cited this issue in last year’s survey.
- Values-aligned banking is gaining momentum. 88% of financial professionals acknowledge increasing demand for banking products that align with depositor values. Notably, 9 in 10 depositors are willing to accept slightly lower returns in exchange for deposit safety and alignment with their principles.
Download the Full Report
For a deeper analysis of how depositor concerns and behaviors have evolved year over year—including the increasing emphasis on liquidity and values-based banking—download the full 2024 Depositor Priorities Survey here.
Would you like to discuss how these insights apply to your organization? Contact us today.
Learn how Ampersand can help your organization reduce risk and safely manage your deposits. Contact Ampersand to get started.
