What 122 community banks' transaction data tells us about the deposit migration underway

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The Quiet Spread, Four Months Later: Already on the Trajectory: What 122 community banks' transaction data tells us about the deposit migration to crypto exchanges that is underway.

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.

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