The Quiet Spread, Four Months Later: Already on the Trajectory

A note to readers before we begin.

The analysis in this piece is built on data and research produced by Kim Snyder and her team at KlariVis. Kim is the CEO and founder of KlariVis, the data intelligence platform whose 122-bank dataset, 17-month transaction-level analysis, and deposit-product breakdowns form the empirical foundation of everything that follows. The original Quiet Spread report from February — and the May 2026 update that extends it — are her work and the work of her team.

Thank you Kim for joining forces on this one. With that said: here is what we are seeing.

Read the industry insight

KlariVis

KlariVis® is the only data analytics platform built by former community bank executives to help financial institutions turn their data into actionable insights. By consolidating and simplifying data from across the bank into interactive dashboards and reports, KlariVis empowers teams to make informed decisions that drive growth, efficiency, and customer impact. Built on a modern technology stack, KlariVis eliminates the need for manual reporting, allowing banks to focus on strategy, performance, and innovation.

In Depth

Consumer Banking

The Quiet Spread, Four Months Later: Already on the Trajectory

In Depth

Related to This