customer profitability
Whitepapers
Jan 24, 2024
How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.
Mar 1, 2022
Effective customer profitability analysis — covering both current profitability and lifetime value — lets you target profitable customers, cross-sell effectively to existing ones, and migrate customers to more profitable products.
Case Studies
May 1, 2018
Learn how FCB Bank uses PCBB’s relationship profitability solution, Profitability FIT, to more effectively price loans, offer additional services and encourage loyalty.
Apr 14, 2022
Traditions Bank selected PCBB and Profitability FIT as they faced many business challenges including not pricing business loans competitively.
Webinars
Jan 27, 2021
Virtual roundtable led by PCBB's profitability expert, Janet Leung, to discuss proven and peer-tested strategies to improve profitability. The event showcased a panel of community financial institution executives that have championed customer profitability.
Mar 14, 2022
With interest rates set to rise in the coming months, some banking customers may be tempted to shop around for the best deals. Effective customer profitability analysis allows community financial institutions to better retain and target new customers, while increasing overall customer profitability. We share some lessons from institutions that have successfully implemented these models along with three ways to increase customer profitability.
Jun 8, 2021
Businesses are opening up countrywide. But, with the ongoing supply chain issues and price pressures, many small businesses are struggling. There are several opportunities for community financial institutions to assist these businesses in their community, including the Restaurant Revitalization Fund, short-term funding, and advisory expertise.
Mar 22, 2021
It appears that we are nearing the tail-end of the pandemic and so it is an important time to review customer profitability. To guide you through this assessment, we cover three key areas that impact customer profitability: interest income, noninterest income and expenses, and credit costs.
Jan 27, 2020
A risk-based pricing strategy can give community financial institutions a chance to improve market share without also increasing risk.
Nov 15, 2019
Small businesses are the mainstay for community banks. So today, we provide you with an updated small business snapshot.
Oct 24, 2019
The NY Fed's most recent survey on nonemployer firms shows 43% have unmet funding needs. This could be an opportunity for your institution.
Dec 19, 2022
History shows that recessions lead to higher default rates among consumers. By predicting and managing delinquency before it occurs, a CFI can increase the lifetime value of existing customers by helping them avoid becoming delinquent.
Feb 4, 2020
While financial institutions usually focus on new customers to enhance profitability, overall profitability is a multi-dimensional process and existing customers can definitely help too.
Mar 19, 2021
In 2020, 2,563 branches were lost. Branch closures seem to have accelerated with the pandemic. But, does that mean the branch is doomed? We look for the answers to this question through continuing digital engagement, bank mergers, and needed cost reductions.
Apr 16, 2020
While you may not be thinking of customer profitability during this crisis, customer relationships are always important. Here are three steps to consider, especially as you interact with customers through the PPP.
Dec 28, 2021
While the BID takes a rest for the holidays, we revisit some of the year's most popular articles.
Sep 13, 2021
Financial institutions are flush with cash and looking for opportunities to turn it into long-term assets. With loan activity still mixed and PPP forgiveness leading to more cash, community financial institutions are looking for ways to manage their balance sheets. We give you two steps that you can take today.
Jul 14, 2021
With the continuing low-interest rate environment, community financial institutions will need to maximize opportunities for customer profitability beyond interest income. Here are three strategies to do that: take a holistic view of customer relationships; evaluate low balance accounts, and reassess low utilization lines of credit.
Aug 8, 2019
To understand the potential impact of the yield curve these days, we took a look at some results from our relationship profitability model used by hundreds of bankers nationwide.