Improve Efficiency Ratio

Successful community banking reflects customer optimization, data-driven decision-making, and effective management operations. All must work together to ensure margins do not deteriorate, even in the face of revenue growth. We will lead a detailed top-down approach to analyze your costs, rates, and fees. Key questions include:

  • What sustainable cost reductions can be found through simple process improvements?
  • How are you using data to improve your bank’s efficiency ratio?
  • What are you doing to manage the growing cost of compliance?
  • How integrated are your various technology systems? Are there gaps or overlaps?  Are you getting the most from the capabilities you have already paid for?  


This process identifies opportunities for revenue optimization and cost reduction. Where necessary, we’ll recommend workflow improvements and data plans aligned with your strategic objectives. We will compare your ratio with your competitors and recommend continuous improvement.

$ 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.