Net income for FDIC-insured banks rose by $7.3 billion (11.4%) in Q2 2024, reaching $71.5 billion, driven by lower noninterest expenses and higher income from securities sales. Despite strong profits, the banking industry faces risks from economic uncertainty, interest rate volatility, and weakening loan portfolios, particularly in office properties and credit cards.

Businesses must evaluate their banking strategies amid unchanged interest rates by focusing on price, liquidity, and risk. This article explores optimizing bank balances to enhance financial stability and emphasizes updating treasury policies to navigate the modern banking landscape. Discover how addressing these critical elements can safeguard your organization's financial future.