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
Faulkner Equipment Rentals LLC
Faulkner Equipment Rentals LLC is an existing relationship where the modeled value is mostly deposit defense and wallet-share expansion.
These values are for Faulkner Equipment Rentals LLC; portfolio rollups are shown in the left panel and below.
Net contribution
$19K
Expected deposits
$441K
Risk-adjusted
$14K
Max justified rate
5.10%
Conversion model
70%
Payback
1 month
Pricing discipline: Use this as internal pricing discipline only. It is not a customer quote, advertised rate, or guarantee of product availability.
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
3.35%
Use this as internal pricing discipline only. It is not a customer quote, advertised rate, or guarantee of product availability.
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
Faulkner Equipment Rentals LLC: $19K modeled annual net contribution and $14K risk-adjusted value.
$441K modeled deposits with $15K estimated annual funding cost at the internal guidance rate.
$5K modeled annual fee income from treasury, card, or merchant products.
Pricing room: modeled max justified deposit rate is 5.1% before the relationship falls below target margin.
Product-Line Economics
Deposits
Modeled from expected operating balances, 5.35% asset yield assumption, and 3.35% internal pricing guidance.
$8,820
Model confidence
Treasury
Included only as a modeled cross-sell option until treasury need is validated in discovery.
$1,500
Model confidence
Lending / Mortgage
Loan, mortgage, renewal, SBA, construction, or maturity language suggests a referral conversation.
$4,116
Model confidence
Cards / Merchant
Card and merchant economics are included only when product fit or small-business workflow supports the conversation.
$3,000
Model confidence
Retention
Core Intelligence uses bank-owned relationship activity to estimate deposits protected before attrition.
$2,940
Model confidence
Approval Path
Deposit pricing discipline
RequiredChief Deposit Officer
Keep pricing inside the modeled max justified rate before quoting anything externally.
Treasury pricing and implementation
OptionalTreasury Manager
Treasury fee income is part of the relationship value model.
Lending or mortgage handoff
RequiredCommercial Credit
Any lending or mortgage estimate requires normal bank qualification, disclosures, and approval.
CRM attribution
RequiredJordan Lee
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.