When Banks Slow Payments, Liquidity Feels It First

DONNA DELAROSABlog

At 9:00 a.m., the dashboard looks normal. Cash positions are within target. Capital ratios are intact. Forecasts match expectations down to the decimal. On paper, everything says the institution is healthy. By 9:07 a.m., a treasury analyst flags something small: three commercial clients haven’t paid on schedule. Nothing dramatic—just a few days late. No alarms go off. No emergency meetings. …