Building Core Deposits

Core deposits are the lifeblood of a stable and successful bank and the key driver of franchise value. Over time, the strategic approach in pricing and products can and should adjust as institution growth and market conditions change. With over 30 years of experience building targeted deposit growth initiatives, we can build and train your organization to have approaches uniquely suited to leverage your bank’s unique competitive advantages. Bob would work with your sales, operations, finance, marketing, and compliance partners to build a ground-up deposit strategy through understanding four critical areas:

  • Understand your depositors’ behavior, demographic characteristics, wallet share and size, and price elasticity.
  • Development of a pricing strategy informed by your client’s segment mix, behavior, and usage.
  • Identify opportunities for growth among underserved clients or market segments and eliminate gaps or barriers to enrollment.
  • Build incentive structures based on profitability modeling informed through Funds Transfer Credit allocation methodology.


Identify competitive strengths and weaknesses and deliver targeted sales and marketing tools for cost-effective growth.

In short, we build an end-to-end understanding of tools that are turnkey roadmaps aligned to start with the organization’s existing competitive advantages and increase capabilities over time.

$ 490 MM
40 %
$ 6 MM
29 %

Successful Project Outcomes

Revenue Enhancements
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Revenue Enhancements/Platform Architect - Delivered franchise-wide system upgrade that yielded 70% reduction in account opening time, 100% compliance with BSA/KYC regulatory rules, and increased cross sales by 60% within first 90 days of implementation.
Improving Efficiency Ratio
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Soup to nuts review of deposits/card operations, reduced redundant costs, improved work flow and yielded $1MM in annual interest expense.
Commercial/Business Deposit Business
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Commercial/Business Deposit Business Risk Review & Recommendations - Identified $500 Thousand in annualized non-interest revenue growth for $2 Billion asset community Bank.
Bank Turnaround
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Bank Turnaround - Restored profitability in just 20 months to bank with multiple Consent Orders and MOU and a loss of $20 Million per year, including termination of all regulatory findings.
Core Deposit Growth
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Introduced new product, pricing and target marketing strategies resulting in over $500MM in new core deposits in 8 months
Risk Management Framework
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Risk Management Framework - Introduced Policies and Key Risk Indicators reporting for $7 Billion institution in less than 5 months to directly address regulatory concerns.
Award Winning
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Developed Award Winning Online Banking Solution - Generated $2.7 Billion in low cost deposit growth for $30 Billion asset institution.