ADVISORY SERVICES · CUSTOMER PROFITABILITY ANALYSIS

Customer Profitability Analysis, Loan & Deposit Pricing Solution

Strengthen your customer relationships while increasing your profits. Profitability FIT by PCBB is a powerful customer profitability analytics tool with a 360-degree view of all relevant data, evaluating the profitability of each customer relationship and how it impacts your institution’s revenue. With a clearer view of relationship performance and a forward look into future opportunities, your team can make more informed deposit and loan pricing decisions, identify new opportunities, and increase your revenue potential for the future.

Why PCBB for Profitability / Loan & Deposit Pricing
In-depth current & forward-looking profitability outlook
Online platform with insights from expert advisors
Integrated risk-based loan and effective deposit pricing
Designed specifically for community financial institutions

Executive Summary

Profitability FIT by PCBB is a customer profitability solution that makes it easier to understand how your institution and customer relationships are performing over time. The online platform combines customer profitability analysis, integrated deposit and loan pricing capabilities, and projected lifetime net income metrics with the support of PCBB’s e-Consultant and expert advisors. You can review results across accounts, households, officers, and branches, and use these insights to optimize pricing, resource allocation, and overall profitability.

What Is Customer Profitability Analysis?

Customer profitability analysis is the process of evaluating how a customer's relationship with your institution from their loans, deposits, and other dimensions add to the institution's overall financial performance. Instead of focusing solely on revenue, this approach goes further by examining which segments or relationships add the most value to the institution's performance, and which ones could be improved upon. Common metrics include ROE, ROA, net interest margin, RAROC, and projected lifetime net income.

Profitability FIT takes this a step further by linking analysis with deposit and loan pricing tools, evaluating segments that are underperforming or overperforming and may require adjustments. We also provide access to a knowledgeable team of advisors, as well as our on-demand e-Consultant to deliver insights personalized for your institution.

Why Bankers Trust PCBB

PCBB is an FDIC-insured correspondent bank that operates under many of the same regulatory expectations and strategic pressures as the community financial institutions it serves.

Profitability FIT was designed specifically for community financial institutions, with that operating reality in mind.

Key Benefits of Profitability FIT for Community Financial Institutions

Profitability FIT supports both day-to-day decisions and longer-term planning by providing community financial institutions (CFIs) with a clearer view of how customer relationships, deposit and loan pricing, and performance interconnect across the organization.

What your institution can achieve with Profitability FIT:

Pricing & Deals

  • Win more deals with effective, risk-based loan pricing
  • Manage deposit pricing and fee waivers with better visibility into costs and behavior

Visibility & Insight

  • Identify revenue opportunities within existing relationships
  • Gain visibility into cross-sell opportunities, share of wallet, customer concentration patterns, underutilized credit lines, loan-only or CD-only customers, and high cost-of-funds relationships
  • Drive segment profitability at the product, branch, and officer level

Advisory & Efficiency

  • Get expert advice alongside insights from the platform
  • Save time on manual analysis
  • Deepen customer relationships

Key Benefits of Profitability FIT’s Core-Agnostic Online Platform

Easy & quick to implement

  • Core agnostic
  • Quick to deploy
  • Minimal IT demand
  • No software installation needed

Since the data is uploaded into our platform from your core, it can work with any core and avoids any additional core fees.

Access to clear, real-time profitability data transformed the way I lead. It has empowered us to make faster, more confident decisions—backed by real insight—not just for the bank's financial direction, but also in how we allocate resources, support our clients, and set priorities across the organization.

Stacy Watkins · President & CEO, Lexicon Bank

3 Tier Options to Choose From

Profitability FIT comes in three tiers, so you can choose the option that fits your needs now and expand later if needed.

Basic covers core loan and deposit pricing with manual entry, making it a good starting point for financial institutions that want to gain insights into strategic deposit and loan pricing decisions.

Deluxe adds broader profitability views and enhanced reporting and the ability to upload and retain your data for future searches, so your team can better understand customer relationships and performance trends.

Pro tier offers everything in Deluxe, plus advanced relationship insights, executive-level reporting, an in-platform e-Consultant that turns profitability data into personalized recommendations for cross-sell, wallet share, fee income, funding costs, and credit-line utilization, and additional advisory analysis.

Feature Basic Deluxe
Most Popular
Pro
Application Features      
Loan and deposit pricing
Pricing hedges, participations, SBA and other unique loan types
Pricing renewals and existing loans
Relationship pricing
Household grouping (relationship linking)
Comprehensive View of Profitability      
Configurable assumptions
Review profitability by loan, deposit and fee income
Track fee income
Identify relationship revenue enhancements and cross-sell opportunities
Identify most and least profitable relationships and products
Track new accounts and upcoming maturities
Advisory Services and Support      
Implementation support
Phone support and self-paced training library
Instructor-led training
Advisory consultation (in-depth review/analysis)
Reports & Data Services      
Loan pricing summary reports (on-demand)
Pipeline reports
Comprehensive relationship reports
Customer profitability reports (monthly)
Officer and branch performance scorecard
Executive reports (quarterly)
Access Level      
User licenses 3 Users Enterprise License Enterprise License

Included     Limited Capability     Not Included

You can also download a full tier comparison or schedule a demo to explore which option fits your institution.

How Profitability FIT Works

PCBB’s Profitability FIT solution offers an integrated online platform that combines data insights, loan and deposit pricing analysis, and our e-Consultant tool, along with a team of advisors. This solution analyzes relationship performance to deposit and loan pricing and identifies areas that may need closer review.

Rather than working across separate systems or reports, your team can access a more connected view of your customer data to explore scenarios, get tailored recommendations to improve segments of the business, make informed deposit and loan pricing based on the customers' overall relationship with your institution, and drive overall profitability.

Actionable Pricing
Make pricing decisions directly in the platform
360-Degree Visibility
View customer relationships from multiple angles
Expert Guidance
Live advisors and insights from e-Consultant

360-Degree Customer Profitability View

Profitability FIT's online platform provides a detailed view of customer relationships from multiple angles. It also features ROE, net interest margin, ROA, and anticipated lifetime net income.

Measure Performance By:

Account and Relationship

Business and personal accounts

Household Groupings

Linked accounts viewed as one relationship

Branch, Officer, and Industry Segment

Compare performance across teams

Loan Maturities, Renewals, and Balance Activity

Tracks changes over time

Forward-Looking Income Analytics

For long-term growth

e-Consultant Insights

Personalized recommendations, automatically

Structured Reporting Capabilities

Profitability FIT organizes insights through structured reporting, helping your team quickly understand performance and identify opportunities to maximize revenue:

  • Relationship profitability reporting across customers and accounts
  • Segment and portfolio-level analysis to compare performance trends
  • Variance and trend tracking to monitor changes over time
  • Scenario and what-if modeling to evaluate potential decisions before acting

Your team can evaluate how changes to loans, deposits, or relationships might affect results before making decisions.

Gain a 360° View
Account
Transactions
Loan
Fee Income
Deposits
Other

Loan & Deposit Pricing Tools

Profitability FIT helps your institution move from analysis to action by enabling loan and deposit pricing decisions directly in the platform. It is not just a measurement tool; it supports actionable pricing across loans, deposits, and relationships.

You can:

  • Leverage forward rate curves to incorporate interest rate risk
  • Manage deposit pricing and fee waivers
  • Use relationship-based pricing approaches
  • Set renewal pricing for existing loans
  • Ensure consistent pricing across your institution

These capabilities help CFIs set pricing more systematically while still accounting for differences in customer profiles, relationship value, and risk levels.

e-Consultant & Advisor Support

Live Advisor Support

PCBB provides knowledgeable advisors who support your institution at every step, from initial assessment through implementation and ongoing optimization.

Advisors help with:

  • Initial assessment and strategy planning
  • Implementation and platform training
  • Data validation and quality checks
  • Ongoing optimization and custom analysis
e-Consultant

Profitability FIT offers e-Consultant to provide strategic and personalized recommendations based on mining your data, and to identify high-value cross-sell opportunities.

e-Consultant identifies:

  • Most and least profitable customer relationships
  • Cross-sell and wallet-share opportunities
  • Fee income potential within existing relationships
  • High cost-of-funds relationships and underutilized credit lines
  • Strategies to improve unprofitable loans and relationships

The high level of customer service provided by PCBB’s Advisory Services is something you don’t encounter often and is certainly refreshing.

Dave Roeder · VP & Correspondent Banking Officer, Western State Bank

What Sets Profitability FIT Apart

Profitability FIT offers a forward look into future opportunities where your institution can maximize revenue and strengthen your customer relationships, instead of focusing on the past.

Built to support financial institutions with assets up to $80B and beyond, Profitability FIT's online platform delivers the metrics, workflows, and reporting needed to evaluate performance across the organization.

It also combines platform access with advisory support. Rather than working through data in isolation, teams can review findings with experienced advisors when needed.

Key Differentiators

  • Forward-Looking
    Future opportunities, not historical data
  • Enterprise Scale
    Supports institutions up to $80B+
  • Advisory Included
    Platform plus expert guidance

Listen to Our Customer Testimonials

We want to partner with you early in the process to be able to maximize our long term growth and retention of clients.

Our ability to get at a granular level and look at relationships as a whole… you end up being a better loan officer because of it.

Case Studies

Customer Success Story

How OceanFirst Bank Achieves Profitable Growth with Profitability FIT

Learn how more on how Profitability FIT helped OceanFirst Bank improve their performance and workflow.

Download Case Study

Challenge

OceanFirst Bank grew from a $2B community bank to a $13B regional bank through organic growth and acquisitions. As a result, their lending portfolio and goals grew, creating two challenges. It increased the complexity of managing diverse data and assessing acquired customers’ profitability.

Results Achieved

OceanFirst Bank replaced manual, spreadsheet-heavy workflows with a centralized, user-friendly platform. They improved consistency and documentation across cases to satisfy auditors and examiners and strengthened collaboration between fraud, compliance, and business teams. Ultimately helping them with smarter portfolio management, strategic decision making, and customer relationship optimization.

Customer Success Story

How Lexicon Bank Transformed Client Insights into Growth

Learn how Lexicon Bank improved their sales culture and were able to effectively manage their loan portfolio to build stronger connections with their customers by putting Profitability FIT at the center of data-driven decision-making.

Download Case Study

Challenge

Lexicon Bank needed deeper clarity into the true value of each client relationship to grow their customer portfolio.

Results Achieved

With real-time account-level profitability data, Lexicon Bank’s relationship managers gained the insight to making faster, data-backed decisions, identifying high-value clients and optimizing portfolios, and strengthening client relationships through more strategic support.

Resources & Insights

Explore our resource library to learn more about Profitability FIT and topics such as navigating profitability challenges, pricing approaches, guidance on deposit strategy, and cost of funds.

Frequently Asked Questions

Answers to questions about customer profitability analysis and Profitability FIT.

About the Profitability FIT Platform

Profitability FIT is an online platform from PCBB that supports customer profitability analysis and loan and deposit pricing, while offering a forward-looking view into opportunities to maximize revenue and strengthen customer relationships, backed by advisory support.

It allows your institution to gain a 360-degree view of each customer's relationship with your institution from multiple angles (account, household groupings, branch, officer, and more). Armed with those insights, you can determine the optimal risk-adjusted return on capital (RAROC) for your institution and price for your customer through Profitability FIT's loan and deposit pricing capabilities.

Profitability FIT tracks how each customer relationship contributes to your institution's ROE, ROA, net interest margin, RAROC, and projected lifetime net income.

Profitability FIT provides reporting that lets you search and view profitability by account, officer, team, or branch, including a householding view of linked customer accounts and business lines. You can simulate the profitability impact of relationship changes, identify lifetime risk-adjusted profitability, and price loans with full consideration of capital, loan risk, and cost assumptions.

Profitability FIT can work with any banking core system because we upload the data into our platform. We are core-agnostic, which means no direct integration is required and there are no additional core fees.

Profitability FIT helps with deposit and loan pricing by providing insights into how profitable a customer is to your institution. You can run scenarios to evaluate pricing frameworks and risk factors based on each customer relationship, helping you set pricing more systematically.

The e-Consultant is an automated tool available in the Pro tier that mines your customer data to identify high-value cross-sell opportunities. It also highlights pricing considerations, share of wallet, underutilized credit lines, significant overdraft and high cost of funds customers, and strategies to increase revenue from unprofitable loans and relationships.

Yes. PCBB provides knowledgeable advisors who support your institution at every step, from initial assessment through implementation and ongoing optimization. If you want to view customer data from a new perspective, you can ask our advisors for a consultation on new ways to segment and analyze your data.

Yes. Profitability FIT helps your institution estimate future profitability by combining your historical performance, pricing assumptions, and balance data to project anticipated lifetime net income and returns at the customer, product, and organizational levels. These projections support more informed decisions about pricing, growth strategies, and resource allocation as market conditions change.

Pricing & Plans

Basic covers core loan and deposit pricing with manual entry, making it a good starting point for institutions that want to gain insights into strategic deposit and loan pricing decisions.

Deluxe adds broader profitability views, enhanced reporting, and the ability to upload and retain your data for future searches.

Pro offers advanced relationship insights, executive-level reports, and the e-Consultant data mining tool, along with enhanced advisory analysis.

Pricing for Profitability FIT is based on the institution's asset size and is provided upon request. Contact us to discuss your specific needs and get a customized quote.

No. Profitability FIT is an online platform which does not require installation or downloading. You access it securely through a web browser.

Ready to Optimize Your Profitability?

Schedule a demo or request a quote to see how Profitability FIT can help your institution identify revenue opportunities and strengthen customer relationships. Explore which tier fits your needs and learn how our advisors can support your success.

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