Webpages
Dec 5, 2022
Our profitability platform helps you win more deals with risk-based loan pricing and manage deposit pricing to increase your competitive advantage.
Dec 3, 2022
Our advisory services help you with risk management, increasing customer profitability, and appropriately pricing loans.
Dec 5, 2022
Our Financial Insight & Technology (FIT) Solutions platform offers CFIs a measurement and analysis tool for loan pricing and customer profitability.
Dec 4, 2022
PCBB offers three tiers of a customer profitability and loan pricing solution. Review tiers to see which plan will help you meet your needs.
Dec 5, 2022
Our banking services in correspondent banking (cash management and international banking services), lending, and advisory services help streamline operations, mitigate risk, and increase income.
Dec 5, 2022
We offer De Novo Bank services to support you from in-organization and beyond. Solutions include escrow and operational accounts, international banking services and more.
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.
BID Newsletters
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.
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.
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.
Feb 11, 2021
Customer profitability is even more important these days as CFIs are squeezed on margins. Knowing what your customers want and providing them with creative offerings to help will cement their relationships with your institution. Taking a holistic view of your customers will then allow you to more effectively value price the relationship for the greatest customer profitability.
Jan 25, 2021
By segmenting your PPP customers based on their needs for the funds, you can better determine customer profitability. We explore the different approaches for 3 customer segments, based on the intended use for PPP funds.
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.
Feb 18, 2021
Digital disbursements give businesses a smooth and immediate payment process. With global digital payments expected to hit $7.64T by 2024, opportunities for businesses to seamlessly make payments is ramping up. Community financial institutions can help them while finding benefits, such as reducing expenses, increasing transparency, generating fee income, and assisting with customer profitability.
Sep 16, 2022
CFIs can lower their exposure while boosting their profitability by pricing commercial loans commensurate with the borrower’s risk. We delve into the details of a risk-based pricing model.
Sep 14, 2022
Financial institutions enjoyed client deposit surges through the end of last year, but extreme rate hikes from the Fed may change that. As CFIs feel pressure to raise their rates on deposits to keep customers, it’s important to consider what other strategies CFIs can deploy to retain deposit levels and client relationships.
Aug 24, 2022
In the competitive small business lending market, a clear understanding of business owner needs can go a long way to drive an institution’s loan portfolio growth. Gaining that edge takes hard work and sophisticated data mining. Here are four steps to make your SME loan strategy more holistic, ultimately resulting in increased revenue.
Jan 25, 2022
Community financial institutions have seen low interest rates for a long period of time. This caused net interest margins to be squeezed tightly, yet it allowed bankers to reduce their dependence on wholesale funding. Now, when interest rates are expected to rise, it is crucial to have strategies to balance increasing net interest income with rising funding costs.
Dec 28, 2021
While the BID takes a rest for the holidays, we revisit some of the year's most popular articles.