Deposit Optimizer Essentials
Manage your deposits using best-in-class analytics without the expense of a large team
Community banks and credit unions 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.
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.
Optimize Existing Portfolio
Reduce rates in less elastic segments where rate is less valued by customers & reduce costly cannibalization.
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
- Web Platform
- Emailed Executive Summary
- Expert Support
Executive dashboard with additional views that include industry comparisons.
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 Essentials 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 Essentials By The Numbers
Reliant On Curinos Data
What Our Clients Are Saying
Large West Coast Credit Union
Existing Benchmarking IMB Client
Southeast Regional Bank
Regional Midwest Bank
Our Insights
September 21, 2023
More Than Ever, Deposits Are Key To Profitability
June 28, 2023
Wealth Deposits: Instability Grows. What Does The Future Hold?
June 14, 2023
Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear