Relationship Pricing Desk
Price the full relationship without giving margin away.
Recommend the offer, max justified rate, relationship tradeoff, approval path, and NIM impact before a banker quotes a rate exception.
Defend balances
$14M
Priced with tradeoff
$8.3M
Blocked exceptions
1
Margin at risk
$377K
Hold disciplineManager approval required
River Market Analytics LLC
River Market Analytics LLC is worth a banker conversation, but the modeled ask exceeds the max justified rate. Lead with relationship value and require product activation.
Recommended offer
4.41%
Max justified
4.76%
Modeled ask
4.79%
Exception SLA
Blocked
Do not overpay: Offer premium pricing only with Operating DDA + Treasury review + Sweep / ICS / CDARS fit.
Relationship-priced balances
$8,330,500
Balances requiring product tradeoffs
Defend balances
$13,612,800
Worth retention pricing review
Let walk balances
$176,850
Do not buy low-value rate money
Annual fee offset
$357,300
Treasury, card, and merchant economics
Weighted NIM impact
-46 bps
Modeled spread after offer guidance
Rate Exception SLA
Manager control for rate requests before bankers quote: block over-max asks, clear approvals due today, and protect modeled margin.
31 exceptions
Blocked
1
Do not quote yet
Due today
30
Manager or treasury review
Over max
1
Ask exceeds justified rate
Tradeoff gaps
0
No product commitment
Margin at risk
$377,343
If bankers quote the ask
Next manager action: Block over-max requests until the relationship tradeoff is documented.
Pricing Queue
Sorted by do-not-overpay risk, relationship value, and modeled deposits so managers can approve the right exceptions and block bad rate money.
Selected Offer
Internal offer guidance
4.41%
We can review a relationship pricing option if we are also helping with the operating account, payment workflow, and treasury controls that make the full relationship work.
Max justified rate
4.76%
Exception SLA
Blocked - Do not let River Market Analytics LLC receive a quote until the max-rate exception and product tradeoff are documented.
Margin at risk
$3,068 if the modeled ask is quoted before approval
Max waived fees
$675
Offer window
90 days
Source proof
Little Rock License Signal - Jul 28, 2026 - Reviewed
Product Tradeoff
Operating DDA
Pricing flexibility should be tied to primary operating balances, not standalone rate chasing.
Treasury review
ACH, RDC, positive pay, wires, sweep, or payroll discovery converts rate expense into relationship value.
Sweep / ICS / CDARS fit
Move idle commercial cash into a structure the bank can defend without treating every dollar like hot money.
Merchant or card review
Fee income can offset deposit pricing when transaction activity supports the conversation.
Approval Workflow
Banker validates balance and product commitment
Do not quote an exception before validating operating balance and service need.
Priya Nair
Same business day
Manager reviews pricing exception
Modeled ask exceeds max justified rate.
Deposit leadership
24 hours
Treasury confirms implementation economics
Exception pricing should not outlive treasury, sweep, or operating-account activation.
Treasury operations
2 business days
CRM and board attribution
Revenue, balances, products, and source attribution must be logged after acceptance.
Priya Nair
Before close of week
Board Takeaways
$14M should be defended with documented relationship pricing, not blanket rate matching.
$8.3M can be relationship-priced only with operating deposits, treasury, sweep, or fee-income commitments.
1 relationship have a do-not-overpay warning before any exception is quoted.
Exception SLA: 1 blocked and 30 due today, with $377K of modeled margin at risk if bankers quote the ask.
$357K in modeled fee income is available to offset rate concessions if products activate.