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.
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
Deposit Optimizer Essentials is a web-based platform solution that will allow financial institutions to better identify and work toward growth targets. By optimizing product strategy and pricing levels, institutions can make more efficient marginal funding trade-offs, increase overall analytical and operational efficiencies, and ultimately increase deposit value. Clients will also have access to market leading Curinos consulting expertise via monthly industry insights and quarterly webinars to discuss industry trends and forecasts.
- 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
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
October 8, 2024
Competition for Deposits Has Slowed Branch Closings, For Now
September 25, 2024
Curinos Perspective: Down-Pricing in a Falling Rate Environment – State of the Market and 5 Strategic Imperatives
September 23, 2024
Curinos Perspective: How To Win In Small Business – 5 Takeaways
