Liquidity & Maturity Early-Warning · Brief 01
Daily Funding Watch
Today's matured FDs — renewed or walked
The one line you configure
What matured across the book today, how much renewed versus walked, and did any pocket push today's funding out of band?
In a nutshell
Today held broadly, with one soft pocket. Network-wide $312M of FDs matured and ~72% renewed, but the Southeast long-tenure book renewed just 54% — its walk-rate ran well over its daily band, lifting today's maturity-driven outflow to $103M (+39%) and net funding to −$41M. The premature-break rate stayed flat, so this is money reaching maturity and choosing to leave, not distress, and the near-term 30-day wall is still building beneath it.
At a glance
Today at a glance — the day's roll-off
Volume was normal; the tell is where it went — the Southeast walk-rate lifted outflow above its daily band while the break rate stayed flat.
Today's hero — the Southeast long-tenure renewal fell out of its daily band
Every other branch renewed inside its band today; the Southeast long-tenure pocket sat 12 points below the floor — the day's one out-of-band read.
Today's maturities by branch — dollars due vs the rate they renewed
Branch 06 in the Southeast carried the largest maturing block today AND renewed the lowest — the single branch × pocket driving the day's walk-rate and outflow.
Why the daily read matters here
Day to day, the watch catches what actually settles — so a pocket renewing below its band is flagged the morning it happens, while there is still same-day room to route an RM call.
So what
Today's roll-off was normal in size but not in mix: $312M matured, ~72% renewed network-wide, yet the Southeast long-tenure book renewed only 54% and pushed maturity-driven outflow to $103M (+39% over its daily band), with net funding at −$41M. The flat break rate says it is money reaching maturity and choosing not to roll — a same-day retention signal, and a daily reminder that the 30-day wall underneath is still building.
The points that matter
Volume was normal — the mix wasn't
A normal $312M matured; the walk concentrated in one pocket, pushing outflow $29M over its daily band.
$103Moutflow todayOne pocket carried the day
The Southeast long-tenure book renewed 54% vs a ~72% norm — the only pocket out of band.
54%SE renewalScheduled, so it's savable today
Flat break rate rules out distress; a same-day RM call on the maturing book is the lever before balances settle.
flatbreak rateRecommendation
Route today's Southeast long-tenure maturities to the RM desk for a same-day renewal conversation, and pre-fund against the −$41M gap; keep this as a standing daily watch. DataGenie surfaces and explains — the funding and pricing calls stay with treasury.
Questions it already answers
Is today's outflow distress or scheduled roll-off?
Scheduled — break rate stayed flat while principal walked at maturity; money choosing not to renew, not early breaks.
Where did today's walk concentrate?
The Southeast long-tenure book at Branch 06 — the largest maturing block today and the lowest renewal (54%).
Where is the near-term concentration heaviest right now?
The 30-day wall is building toward 17.9% in the Southeast, heaviest in the long and medium tenors — all of it pre-fundable if actioned early.