Webpages
Dec 5, 2022
Our Financial Insight & Technology (FIT) Solutions platform offers CFIs a measurement and analysis tool for loan pricing and customer profitability.
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
Resources for financial institutions, including bank merger, economic, and market rate trends. Plus checkout podcasts, whitepapers, and webinars and more.
Case Studies
May 1, 2018
Learn how Frederick County 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.
BID Newsletters
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.
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.
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.
Dec 8, 2021
Despite consumer confidence remaining subdued, consumer spending is up 8.1% in 2021 and is forecasted to grow by 3% in 2022. Recently, there has been a shift in consumer spending from durable goods to services, which could lead to strong growth among these business customer segments for community financial institutions. We provide three strategies to strengthen relationships with those customers through the recovery.
May 3, 2021
Financial institution profitability does not just depend on the customer, but on your officers too. Ensuring that officer incentive plans are tied to your institution’s goals will facilitate overall performance and profitability. We give you the steps to take including designing and reviewing incentive plans, making adjustments as necessary, and using officer feedback.
Apr 30, 2021
Subscription banking is still not widespread. However, there are many customers who subscribe to other services, such as Netflix, and are familiar with this business model. Subscription banking may make sense for some community financial institutions to increase fees in a way that many customers could accept. We discuss how customers view fees, how this model could promote loyalty, and provide a few examples of financial institutions that are doing it.