Echo Partners Community Bank Blog
Interest Rate Risk Fuel
Why You Should Early Adopt CECL
Strategic CECL Approach
CECL and the Overachiever
Probability of Default (PD)
Quick Guide to CECL Selection
CECL: What Next?
CECL and Procyclicality
CECL Impact on Lending
FASB Clarifies CECL
How to Calculate CECL
CECL Loss Rate Periods
CECL Q Factors
Expect CECL Reserves to Increase
CECL and Peer Data
CECL Vintage Method
Community Financial Institutions and CECL
CECL: Aggregate or Loan Level?
CECL vs. Incurred Loss
CECL: Can we trust our regulators?
Consider Simple CECL
The Basics of CECL
What's the Problem with CECL?
3 parts of deposit profitability
Don’t listen to the naysayers
Apples to apples deposit comparisons
Two sides to the 80/20 story
Sir Isaac Newton and deposit profitability
Unprofitable deposit accounts
Your deposit quality never gets better
Why you don’t have deposit profitability
Compliance: police or attorney?
Individualize at scale
A picture is worth a thousand words
Stop treating everyone the same
New accounts don’t add promised profits
Don’t mistake balances for profits
Airlines and banking
Proof of concept
Manage profits with account types
Deposit profitability is customer profitability
The profit/balance tradeoff
Fair is not the same
What if banks didn’t take deposits?
Balances or profits?
Aggregate or instrument-specific?
The point of customer profitability
By the numbers vs rules of thumb
80/20 bank profitability
Why we get deposits wrong
It’s not hard to make a profit
Calculating deposit profitability is easy
Price is a profit multiplier
Your bank and Netflix?
In trouble with the Board?
You don’t want deposits
Let your core system pay you!
Don’t let the fear of math keep you from growing profits
The biggest lie in banking
Why you should reject “Big Data"
4x profits from your best accounts?
The best way to grow deposits and profits
Your riskiest customers
Structural cure for deposit profitability?
How to grow wallet share
Small balances mean small profits
The common denominator
Bankers are driving blindfolded
Leverage prospecting with demographics?
Adding new accounts?
Why growing inhouse profit demands deposit profitability
Why profit enhancement requires deposit profitability
Deposit profitability: What’s stopping you?
Why deposits are the key to customer profitability
The 4 levels of deposit profitability
Segment to get your deposit profit target
Top 3 ways to grow bank profits via deposit profitability (without raising fees)
Dual role of deposits
How to steal from a bank
What’s missing in your marketing?
Your best customers
Behavior drives profitability
Stop equating balances with profits
Deposit profitability and demographics
Deposit profitability: What’s next?
The deposit profitability foundation
Baking is like banking
Is your bank “All You Can Eat”?
Half of your deposit accounts are unprofitable
Irony behind deposit profitability segments?
Deposit looks can be deceiving
Deposit quality vs quantity
The cost component of deposit profitability
Your most profitable customer isn’t necessarily your best customer
Most bankers get analytics wrong
Don’t market for new accounts
Evaluating wholesale funding
The critical deposit profitability decision
The community banking advantage
A deposit profitability mystery
Account types: Less is more
Deposit Profitability Stats
Remember when banking was simpler?
The easiest way to change your deposit profit profile
Account types drive deposit profitability
A different way to look at your deposits
The deposit profitability silent majority
Deposit profitability: How to get started?
Pin the tail on the donkey…The banking version
The banking relay
Deposit profitability isn’t for everyone
Deposit profitability and rate hikes
Rate hikes are good for profits
Top 5 ways to increase your (deposit) profits
Do you know what ordinary deposit profitability looks like?
The contrary nature of deposit profitability
Deposits are getting a lot of attention
It’s ironic that banking has fallen behind
Why don’t banks do a better job evaluating deposit profitability?
The most common deposit profitability lie
Not convinced about deposit profitability?
You were right all along
How to segment deposit accounts
Similar accounts can have different profitability
Common deposit profitability misconceptions
Why implement deposit profitability now?
Simple steps to deposit profitability
2 ways you can improve deposit profitability
You can’t judge a book by its cover
How to use deposit profitability segmentation
The deposit profitability formula
Time for a checkup?
Deposit profitability is easy
How deposit profitability improves your marketing
Do you want to dominate your deposit market?
My best deposit profitability advice
Deposit profitability calculations are just the start
Deposit profitability is the missing link in marketing analytics
How to set your deposit profitability target
The real reason behind deposit profitability
You can’t just compete on NIM anymore
What good deposit profitability looks like
Worried about running off deposits if you impose fees?
Deposit profitability is not about raising deposit fees
Deposit profitability can grow your noninterest revenues
Why big balances sometimes lead to small (nonexistent?) profits
Branch and product deposit profitability
How deposit profitability helps you manage branch and product performance
Your ideal customers fit your way of banking
How customers react to deposit profitability
How deposit profitability helps you improve your customer relationships
What height has to do with banking
Deposit profitability is not a question of volume
Do you believe some deposits are more profitable than others?
Back to the future with deposit profitability?
Why some of your biggest depositors are some of your worst customers
Simplify your deposit account types
How to increase cross sells via deposit profitability
Deposit Profitability: Aggregates vs Instrument-Specific
Why your worst performing depositors are your best profit opportunity
How to calculate deposit profitability
Segmentation guides easy strategic choices
Do you have a deposit profitability target?
Branch transformation and deposit profitability are intertwined
Want to grow your bank?
Does deposit profitability disrupt lending relationships?
Raddon reports sticky deposits
Adding no fee deposit accounts does not make sense.
Making decisions based on account balances is a bad idea.
Why bother with segmentation?
Segment by performance not demographics
Can deposit profitability help you reach your ambitious profit growth targets?
Cell phones, airlines and deposit profitability
If you could choose your depositors which would you pick?
How do you balance deposit growth with deposit profitability?
All deposits are not created equal
Do you know the biggest profit opportunity within your bank?
What can the tortoise and the hare teach us about banking?
Fixing unprofitable accounts…
Don’t fall for banking propaganda
Where deposit profitability fits in your data analytics context
Bankers: Are you familiar with selective attention?
What would it mean to bring another 7 figures in annual profit to the bottom line?
Simple data insights pay huge deposit profitability dividends
Want to know the biggest secret to #DepositProfitability success?
What can eggs teach us about banking?
Imagine going out to a special dinner at your very favorite fine dining restaurant...
Enhancing customer experience
When you don’t make a decision about implementing deposit profitability...
Simple steps to deposit profitability success…
6 steps to successful bank deposit profit growth
People say free checking is dead…
You’re making bad deposit profitability decisions…
Every customer is a great customer…
Do you know the difference before and after deposit profitability?
Why a popular branch strategy will likely make your branches even less profitable…
A quick deposit profitability segmentation lesson
Pick your deposit profitability strategy
What would it mean to add $3mm in annual recurring profit at your bank?
Aggregate vs instrument specific deposit profitability?
Build revenue or cut costs? How do you know which approach is right?
Dynamic pricing and deposit profitability
Are you relying on luck?
Are you flushing your new account marketing budget down the drain?
How would you know if your deposits were profitable?
Do you know the biggest cost of not having #DepositProfitability nailed down at your bank?
Do any of these scenarios sound familiar?
Which would you rather have…?
When you get right down to it, there are only 2 ways to shift your deposit profit profile:
Account balances: Bigger is NOT always better…
We all have unprofitable deposit clients.
Are you focused on treating your bank’s symptoms…?
Do you let the dumbest banker in your market set your prices?
Bankers are like wholesalers…
3 simple steps to make deposit profitability happen…
Trick question: How many customers does it take to earn all of your profit?
You can’t manage deposit profitability…
Why does deposit profitability work?
Why it’s not the CFO’s fault…
You think you have a marketing problem…
You know what’s worse than missing your targets?
Did you eat ice cream this weekend?
Ever wish you had a crystal ball for depositor behavior? You already do…
Find your biggest deposit profitability opportunity…
How to get Deposit Profitability “buy in” at your bank…
Want “good news” about implementing Deposit Profitability?
Do you want to improve branch profitability? Or maybe account type or product line profitability?
Looking to grow bank profits?
How can you lose money when you don’t pay interest?
Sometimes size doesn’t matter…
Stop adding new deposit accounts…
Two guys walk into your bank…
Deposit Profitability…Fast movers and slow movers
Depositors are like children…
Why #DataAnalytics is a loser in #Banking…
Deposit profitability myths and misconceptions…
Why “twin” accounts can have very different deposit profitability…
Are you running a bank or a charity?
2% of average collected balances drive 50% of your deposit handling costs.
Run your bank like a casino?
You don’t have #depositprofitability at your bank…
Do you know the “secret” to deposit profitability…?
Deposit accounts are like snowflakes…
Why adding new accounts won’t solve your #bankprofit woes…
What if I told you exactly how to calculate deposit profitability?
Let me tell you a story…
Why is Customer Profitability Always About the Customer…?
Half of Your Deposits are Unprofitable…
Deposit Profitability: Two Minute Tips
Deposit Profitability Calculator
Top 3 (or 4) Big Deposit Profitability Surprises
How Deposit Profitability Pays Day 1 Dividends
Deposit Profitability Segments
Deposit Profits Are Leaking Out of Your Bank
What Bruce Lee Kung Fu Movies Taught Me About Deposit Profitability
The ABCs of Deposit Profitability
How Would You Know If You Were Paying Too Much For Deposits?
12% of Your Depositors are Responsible for 80% of Your Deposit Profits
Deposit Profitability: You Can't Fix It If You Don't Know That It's Broken
Do Your Bank Profits Rely on Luck?
How to Choose the Right Deposit Study for your Community Bank
Storm Warning: FDICIA 305 No Longer a "Safe Harbor"
5 Step Regulatory Recipe for Deposit Average Life...Plus the One Thing You Must NOT Do
3 Reasons Your Interest Rate Risk Results Aren't What You Want
Bank EVE Blame Game: Can 89% of Bankers Be Wrong?
3 Reasons Bank Examiners Hate Your Best IRR Strategy
Popular IRR Models Rely on NMDA Method Declared Insufficient By FDIC...Does Yours?
Why Your Regulator Wants a Deposit Study and How You Know
How We Reduce Reported EVE Risk Up To 30%... (or More!)
Get Better Deposit Study Results With Less Data
3 Steps to Time Bucket Your Deposit Average Life
7 Steps to Deposit Study Success
Path to the Community Bank Executive Suite
FDIC Issues Community Bank Regulatory Update
Fed President: Tailor Community Bank Regulation to Risks
Calculating Non Maturity Deposit Account Average Life
3 Deposit Study Secrets: What If You Don't Have Data?
Bank Regulatory Trends in MRBA
Why Your Community Bank Needs a Deposit Study...And How to Get One
Attracting Low Cost NMDA Deposits
NonMaturity Deposit Decay Rate, Beta and Economic Value of Equity
OCC Calls Out Community Banks on Economic Value of Equity Risk
OCC Reiterates Community Bank Interest Rate Risk Concerns
FDIC Questions Non-Maturity Deposit Stability
FDIC Sounds Interest Rate Warning on Long Duration Securities
Bank Strategic Plan: Free Training
Bank Strategic Planning SMART Goals
Bank Strategic Plan Concepts: Competitive Advantage
3 Building Blocks of a Bank Strategic Plan
SWOT for Banks
Bank Strategic Plan Infographic
What Single Change Disrupts Interest Rate Risk Sensitivities?
How to Model Non-Maturity Deposits?
S&P Downgrade Gets It Wrong; Bank Regulators Get It Right
Swiss Bank Regulators Handle Too Big to Fail
Non-Maturity Deposit Asset Liability Modeling Tradeoffs
Bank Regulators and Unintended Consequences
Banks Overpay on Deposit Pricing
Community Bank Blog Launch Contest
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