Analysis of Profitability for a $102m Community Bank 2017-05-22T15:03:13+00:00

Project Description



Retain high-value households and increase income.


With a variety of savings products and a diverse customer base, the $102 million community bank sought a pricing strategy that would incent the most profitable households.


MarketTrax was used to analyze household profitability and deposit levels, determining a specific relationship amount at which fees would be waived for deposit products. A What-if analysis was performed on 14 different segments, followed by mailings and phone calls targeting account holders with high transaction volumes.


The bank’s profits increased between 16% and 21%, generating more than $325,700 in fee income. With the re-pricing in place, this is income they will enjoy year after year. At the same time, customers were presented with options for reducing their service charges.




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