Deposit Optimizer Essentials & Deposit Optimizer Basics
Financial institutions are under increasing pressure to fund the balance sheet in a profitable way while best serving customers and members. Take a strategic approach to deposit management and optimization.
Power more effective deposit product and pricing decisions with timely, comprehensive market intelligence at an unmatched level of granularity.
Deposit Optimizer Basics delivers critical market insights enabling your institution to make the best possible decisions, at the right time.
Deposit Optimizer Essentials provides data and executive insights that cut through the noise to offer guidance to achieve your funding goals by diagnosing deposit performance, alerting with early warning indicators and providing optimized funding strategies. Experience higher deposit growth at lower marginal costs in all rate environments.
Fuel Growth Targets More Efficiently
Optimize promotional pricing, make efficient marginal funding trade-offs & benefit from broad brush methodology used by most financial institutions.
Analytical & Operational Efficiencies
Actionable metrics, shortened decision/action cycle & 50%-90% reduction in analysis and report generation time.
Increase Deposit
Value
Increase duration of customer deposits, improve portfolio mix, increase share of core vs non-core deposits & decrease risk of over-concentrations.
Solution Highlights
- Essentials Web Platform
- Basics Competitive Rate Data
- Emailed Executive Summary
- Expert Support
Executive dashboard with additional views that include industry comparisons.
Comprehensive access to our database of deposit rates by named competitor.
Includes expert commentary commonly included in deposit meeting materials.
A quarterly webinar that covers market trends with live Q&A and expert, dedicated client success support.
No Matter The Rate Environment
Deposit Optimizer Clients Outperform
2Q23 Cost Of Deposits By
Deposit Growth Strategy
2Q23 Cost Of Deposits By
Optimizer/Analyzer Usage
Notes: Includes all traditional brick and mortar banks above $10B in assets, excluding money center banks; price optimization users use the module more than 10% of total business days between August 2022 and August 2023
Source: Curinos analysis of call report financial data
Deposit Optimizer By The Numbers
What Our Clients Are Saying
I don’t know what I don’t know. Your data is enlightening, especially in this market.
Regional Midwest Bank
Such a great tool. When the margins are thin, we need to be smarter to understand market opportunities.
Southeast Regional Bank
Given the last few months [market conditions], you guys are more important than you have ever been. I didn’t have to pay close attention to margins before… now I do.
Existing Benchmarking IMB Client
I love all of it. Sometimes we go in blind when we make recommendations. Now those recommendations would be much more powerful.
Large West Coast Credit Union
Our Insights
July 3, 2024
Curinos Perspective: Optimizing Deposits To Create An Effective Deposit Strategy – 5 Takeaways
March 12, 2024
Last Year’s High-Rate CDs Are Coming Home To Roost
January 22, 2024
How Credit Unions Can Meet Their Deposit Targets
