This is way too complicated for a forum like this. Banks that are "true banks" (read FDIC insured) have very specific guidelines they must follow. Your money market and "demand" accounts track short term interest rates which will follow the Federal Reserve Discount Rate that makes the news every month. Mortgage rates typically follow the 10 year treasury unless you go for one of the sexier loans that won't be put into a banks portfolio and may only be done by specific lenders or investors.
Banks have reserve requirements that allow them to lend more than they have in deposits. They also have a bias towards "borrowing" short-term (money market deposits) and lending long-term (mortgages). That's why the interest rate inversion was such a concern a few months ago.
Banks are very profitable. Like all of us and all companies, they are trying to make more on their assets. Most "solid" publically traded banks are paying dividends in the 4% range and sell at low PEs. Their PEs should increase (higher stock prices) when the interest rate situation stabilizes.
Banks have reserve requirements that allow them to lend more than they have in deposits. They also have a bias towards "borrowing" short-term (money market deposits) and lending long-term (mortgages). That's why the interest rate inversion was such a concern a few months ago.
Banks are very profitable. Like all of us and all companies, they are trying to make more on their assets. Most "solid" publically traded banks are paying dividends in the 4% range and sell at low PEs. Their PEs should increase (higher stock prices) when the interest rate situation stabilizes.