Writing this article makes me think about what 2024 will be like for us as bankers. It will surely be different than 2023, as the FED has indicated that rates could fall several times in 2024 and that their inflation goal is getting closer to being met. We are reading information from regulators about risk and commercial real estate and how banks need to stay on top of this segment of our portfolios. Liquidity will still be a hot topic, and it appears that banks with large AOCI balances are getting some relief with the markets adjusting for upcoming rate declines.