Aug 4, 2026 · 25 min · 12 segments
Six months into 2026, pricing activity is up, but spreads are compressed, fixed-rate margins are under pressure, and deposit balances aren't growing the way banks planned. Q2's Jim Young and Anna-Fay…
Anna-Fay LohnGuest
Jim YoungHost
For listeners who haven't read the market update before, Anna Faye, can you just tell us what it is and what you're analyzing each month?
So the, the raw material is aggregations of loan pricing activity and the attributes of that activity, and all of this is saved by Precision Lender users in their banking operations, their banking, uh, books of business to support pipeline pricing activity.
And in the market update, we focus on volume, revenue, and margin metrics to tell the story of market activity.
And these metrics, these measures are nearly universally reflected across our client base.
Is there anything about that data that you think makes it particularly useful or, or distinctive compared to other market data sources?
So we've got a finger on the pulse of the bankers being active in the market day in, day out.
We do not alter our methodology very frequently, and we're seeking run rate, high level observations.
The second is the consistency that we have to work with with our detailed data.
The PL data set is common across the platform, and so we can remark on things like index choices, marginal funding costs, fee income, and spreads with relative ease.
For listeners who haven't read the market update before, Anna Faye, can you just tell us what it is and what you're analyzing each month?
So the, the raw material is aggregations of loan pricing activity and the attributes of that activity, and all of this is saved by Precision Lender users in their banking operations, their banking, uh, books of business to support pipeline pricing activity.
And in the market update, we focus on volume, revenue, and margin metrics to tell the story of market activity.
And these metrics, these measures are nearly universally reflected across our client base.
Is there anything about that data that you think makes it particularly useful or, or distinctive compared to other market data sources?
So we've got a finger on the pulse of the bankers being active in the market day in, day out.
We do not alter our methodology very frequently, and we're seeking run rate, high level observations.
The second is the consistency that we have to work with with our detailed data.
The PL data set is common across the platform, and so we can remark on things like index choices, marginal funding costs, fee income, and spreads with relative ease.
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