J & TA had great ideas. You will have to spend more money, either in terms of advertising, incentives or interest. If you have a large board, or numerous (local) shareholders, come up with a plan to offer them special rates (a few basis points higher).
Also check with your CFO to determine what types of deposits are needed for ALCO. The bank usually has to match the terms on deposits and loans. Do you need checking, or long term CD's? Then price that product to create an interest.
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Integrity. With it, nothing else matters. Without it, nothing else matters.