NEGLECTED ELEPHANTS CAN SQUASH MARGINS.

Rising rates may not increase your department’s profitability. Now is the time to assess how your risk model results stack up to your plans. Join Dave Koch for a Free Live X-Speak, May 25, 2-3 pm CST on the possible impact of rising rates and your key deposit modeling assumptions.

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DRIVE PROFITABILITY IN YOUR DEPOSIT PORTFOLIO.

From strategic deposit planning using iPrice, our deposit pricing solution, to analyzing core deposit studies – your Farin advisor will help you make crucial pricing decisions to improve margins and build capital reserves allowing your entire institution to thrive. Need a deeper understanding of your depositor behavior? Want to maximize earnings from existing accounts? A Core Deposit Study will provide 20/20 hindsight and help you spot income opportunities, improve forecasting and manage your portfolio profitability.

“Now, we definitely know when we have irrational deposit prices, and we can make changes to bring the prices back in line.” [as a result of using iPrice] … 

Margaret Hasenbeck
VP/CFO
Community Credit Union of Florida
Central Florida
Over $500 Million institution
Farin client for over 10 years

UNDERSTAND THE FACTORS INFLUENCING DEPOSIT PROFITABILITY.

Our Advisors will work with you to analyze past depositor behavior, create competitive deposit programs and discover how you can influence your institution’s funding strategies to enhance deposit performance and make your portfolio grow and maintain consistent profitability.

+ Deposit Pricing

DEPOSIT PRICING

Take advantage of your Farin Advisor’s retail banking experience and grow your deposit portfolio with iPrice, our Deposit Pricing model, designed to bring structure and discipline to the pricing process and produce substantial interest expense savings and income growth. We’ll help you…

  • review and evaluate deposit pricing and price setting processes, as well as deposit products
  • improve your product mix and pricing, and create pricing rules and reports
  • identify competitors’ pricing and market share opportunities
  • develop deposit scenarios including: modifying rates, comparing current and proposed strategies, marginal cost and profitability implications and back test past decisions
  • build consensus with your management team on effective pricing processes
+ Core Dep

CORE DEPOSIT ANALYSIS

Analysis Interpreting and effectively using the deposit portfolio rate sensivity data provided by your core study is the key to creating more profitable programs and offerings. Your Farin Advisor will provide recommendations to help you take full advantage of the results, including:

  • developing institution-specific decay rates, pricing betas and pricing beta assumptions
  • evaluating changes in deposit accounts through  variable interest rate cycles to better understand depositor behavior
  • integrating results into Farin Foresight or Insight ALM models for analysis, forecasting, budgeting and reporting (compatible with most outside ALM models as well)
  • using the info to help you develop pricing strategies
+ Cap Plan

CAPITAL PLANNING

Your Farin Advisor will help you understand how Capital Planning influences the success of your deposit portfolio and provide guidance as to how:

  • existing and pending regulatory expectations for Capital Planning may affect deposit program and pricing decisions
  • capital contingency plans may affect long-term and short-term deposit programs
  • your institution’s static AND dynamic balance sheet positions impact deposit account profitability
  • deposit account decay rates influence Captial Planning
  • identify “out-of-the-box” funding strategies