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You are supporting a commercial banking team that tracks deposit balances as a core regional KPI. In the Midwest region, average commercial deposit balances fell 15% month over month, from $8.0B to $6.8B, while other regions were roughly flat. The decline showed up suddenly in the latest weekly reporting cycle. There were no broad changes in headline rates, but the business recently adjusted treasury pricing for some client segments and rolled out updates to digital servicing workflows.
If you noticed a sudden 15% drop in commercial deposit balances across the Midwest region, how would you investigate the cause?
