Relationship Profitability
Know what the relationship is worth before you price it.
Model expected deposits, fee income, funding cost, net contribution, rate discipline, approval path, and ALCO-ready talking points before a banker chases the next relationship.
Source proof: Sanitized core relationship extract · observed Jul 29, 2026 demo extract · Demo
Portfolio totals
Portfolio expected net
$899K
Portfolio risk-adjusted
$644K
Portfolio deposits
$22M
Pricing warnings
3
Selected relationship - own numbers only
Ozark Foodservice Logistics LLC
Ozark Foodservice Logistics LLC is worth pursuing, but only if pricing stays inside the modeled relationship ceiling. Lead with service value before rate.
These values are for Ozark Foodservice Logistics LLC; portfolio rollups are shown in the left panel and below.
Net contribution
$8K
Expected deposits
$56K
Risk-adjusted
$5K
Max justified rate
5.10%
Conversion model
69%
Payback
2 months
Do not overpay: Do not lead with rate. Escalate before any pricing exception and require treasury, deposits, or retention value to justify the relationship.
Portfolio Rollup
These totals summarize every modeled relationship in the profitability desk, not just the selected relationship above.
Portfolio deposits
$22,120,150
Modeled operating and retention balances
Portfolio fee income
$357,300
Treasury, card, and merchant products
Portfolio risk-adjusted
$643,553
Probability-adjusted annual contribution
Do not overpay
3
Relationships needing pricing discipline
Manager reviews
40
Approval paths generated
Profitability Ranking
Ranked by risk-adjusted value so managers can see which relationships deserve pricing flexibility and which should not be bought with rate.
Pricing Guidance
Internal guidance
3.15%
Do not lead with rate. Escalate before any pricing exception and require treasury, deposits, or retention value to justify the relationship.
Modeled max justified rate
5.10%
Modeled asset yield
5.35%
Funding cost assumption
2.90%
Relationship fee offset
1.15%
Source proof
Sanitized core relationship extract - Jul 29, 2026 demo extract - Demo
ALCO Summary
Ozark Foodservice Logistics LLC: $8K modeled annual net contribution and $5K risk-adjusted value.
$56K modeled deposits with $2K estimated annual funding cost at the internal guidance rate.
$7K modeled annual fee income from treasury, card, or merchant products.
Pricing ceiling: do not exceed 5.1% modeled max justified deposit rate without executive approval.
Product-Line Economics
Deposits
Modeled from expected operating balances, 5.35% asset yield assumption, and 3.15% internal pricing guidance.
$1,228
Model confidence
Treasury
Payment-volume and product-fit signals support ACH, RDC, positive pay, wires, sweep, or payroll discovery.
$7,200
Model confidence
Lending / Mortgage
No credit decisioning is implied; lending value remains a referral estimate.
$0
Model confidence
Cards / Merchant
Card and merchant economics are included only when product fit or small-business workflow supports the conversation.
$0
Model confidence
Retention
Core Intelligence uses bank-owned relationship activity to estimate deposits protected before attrition.
$372
Model confidence
Approval Path
Deposit pricing discipline
RequiredChief Deposit Officer
Modeled customer rate pressure is at or above the relationship value ceiling.
Treasury pricing and implementation
RequiredTreasury Manager
Treasury fee income is part of the relationship value model.
Lending or mortgage handoff
OptionalCommercial Credit
Any lending or mortgage estimate requires normal bank qualification, disclosures, and approval.
CRM attribution
RequiredAlex Chen
Calls, meetings, proposals, opened accounts, deposits, products, and revenue need source-to-outcome attribution.
Guardrails
Relationship Profitability is an internal planning model, not a customer-facing rate quote or guarantee.
Credit, mortgage, treasury pricing, and deposit exceptions still require normal bank approval workflows.
Core Intelligence actions are relationship-service intelligence from bank-owned data, not FCRA prescreening or credit decisioning.
Do not imply private competitor knowledge unless an explicitly sourced record supports the statement.