Deposit Competition Intensifies as Digital Banking Models Gain Investor Interest

Superregional banks touched on heightened competition for deposits during a recent industry conference but largely resisted broad rate increases, S&P Global Market Intelligence reported. Instead, they emphasized targeted pricing, relationship banking, and market-specific growth strategies to attract and retain customers while protecting profitability.

A separate S&P article discusses how Forbright’s proposed IPO would make it the first U.S. bank to list publicly in 2026. The Maryland-based bank uses digital deposits to fund specialized middle-market lending and support growth without acquisitions or branch expansion.