profitability
Whitepapers
Deposit strategy is no longer a game of chasing balances — it's about building resilience. CFIs best positioned for long-term success are those that look beyond rates and volume to assess how, where, and why deposits contribute to profitability. This insights paper provides a comprehensive perspective on how CFIs can navigate the structural shifts reshaping deposit strategy.
How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.
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
Discover how Lexicon Bank gained deeper client insights and improved portfolio management by adopting a purpose-built tool for account-level profitability data, empowering relationship managers to better serve businesses, entrepreneurs, and individuals across Southern Nevada.
OceanFirst Bank leveraged Profitability FIT to drive growth, optimize profitability, and enhance customer engagement. This powerful tool enabled data-driven insights and real-time decision-making to support their evolving strategy.
Traditions Bank selected PCBB and Profitability FIT as they faced many business challenges including not pricing business loans competitively.
Podcasts
We sit down with a former regulator to explore the keys to success for CFIs. Hear insights on the importance of proactive risk management, strong communication, why involving regulators early in risk discussions is crucial, the significance of corporate governance, and more.
Webinars
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.
Relationship pricing helps CFIs boost profitability and loyalty by rewarding total customer relationships — not just highest rates — using data on products, tenure, and engagement to protect margins in competitive, rising rate environments.
Per tradition, we're looking back on our top articles of the year to BID goodbye to 2025. This popular November article shows that quiet accounts might seem like a breeze to have on the books, but the silence can turn into a challenge for your profits. We discuss the cons of dormant accounts and how to revive them.
Quiet accounts might seem like a breeze to have on the books, but the silence can turn into a challenge for your profits. We discuss the cons of dormant accounts and how to revive them.
Amid continued competition for deposits, CFIs should aim to balance volume and profitability, using data-driven customer segmentation, tailored offerings, and relationship excellence.
It’s important for CFIs to benchmark their performance against other institutions to gauge their CFI’s standing. We discuss criteria for selecting peers, tools for research, and what metrics to compare.
Commercial deposits are gaining ground again. We outline five practical, relationship-based strategies to help CFIs strengthen their business deposit base, without over-relying on rate to stay competitive.
CFIs are facing deposit pressure — but raising rates isn’t the only option. We highlight five creative, cost-efficient strategies to attract and retain deposits by leveraging relationships, digital tools, and community ties.
As regulators seek to rein in unnecessary risks within the banking industry they are looking to overhaul the rules regarding incentive-based compensation.
Digital banking and fintech innovation have transformed depositor behavior, creating challenges for CFIs. Learn strategies to optimize deposit management, control funding costs, and build sustainable, relationship-based financial practices.
Ongoing economic and operating pressures are squeezing margins, requiring CFIs to find new and innovative ways to remain profitable. We explore some of the ways that CFIs can navigate these profitability challenges while continuing to provide a high-quality service.
Following tradition, we're taking a look back at your favorite articles from this year as we BID adieu to 2024. In the scramble for liquidity, attracting deposits was a top priority for CFIs, and this was one of our most-read articles. Is getting into an interest-rate war the only way for CFIs to compete for deposits at higher interest rates? We review alternative strategies for keeping up with aggressive offers from online banks and other competitors.
After the first interest-rate cut in over a year, we look at the outlook for deposit costs and offer five strategies for CFIs to maximize the opportunities in this uncertain environment.
Cross-selling isn’t a new tactic, but as competition from non-banks grows, it has become increasingly important. Thoughtfully approaching the way your organization uses cross-selling tactics can boost both revenue and customer satisfaction.
The ever-increasing amount of data CFIs collect offers huge opportunities — along with sizable challenges. We look at how institutions can efficiently utilize this information to make smart business decisions and achieve positive results for all stakeholders.
Data mining isn’t new, but financial institutions are finding new ways of using it to provide retailers with more effective marketing options and an added revenue source for themselves. We review one such high-profile service and what it could mean for data usage in the future.
Cost management can be an effective way to boost revenue, but it needs to be done with a comprehensive approach. If organizations fail to look at all the ways cuts could impact employees and the customer experience, cost-cutting measures could ultimately prove costly. We provide tips on how to evaluate costs and their impact on your CFI’s cost reduction goals.