Revenue Improvement Strategies

Our RRA is a comprehensive, eight-week analysis of your entire bank's revenue-producing products and services. We examine and analyze your core systems, products, policies, and actual practices—digging deep to locate hidden income opportunities.

On completion, we don't leave you stranded. We transfer the knowledge. Clients receive detailed implementation and tracking procedures so success can be measured daily. We will stay and assist with implementation if needed.

• Average increase of $1 million in pre-tax annual earnings per $1 billion in assets
• 51% of additional revenue found through optimizing core banking system settings
• 10–20 documented recommendations per engagement, regardless of asset size
• All income achieved without decreasing staff, cutting utility bills, or raising fees

Lodestone has deep expertise across all major core banking platforms. We know their capabilities and limitations—and we know how to unlock more revenue from them. Banks traditionally view their core systems as transaction processing and accounting tools. We view them as untapped revenue engines.

Core systems for which Lodestone has developed proprietary queries:

100% compliant. This product typically adds $200,000–$300,000 of non-interest revenue for every $1 billion in bank assets. It will not interfere with a bank's automated overdraft decision-making product and can easily be implemented on all core systems.

M&A activity is one of the most common sources of lost revenue. When systems merge, policies overlap, and settings fall out of alignment—and no one notices. Lodestone identifies the disconnect between what the combined institution's systems are doing and what they should be doing.

We determine appropriate organizational structure, staffing levels, workflow, and automation opportunities to maximize the value of your acquisition.

This service improves lending business processes by streamlining and standardizing credit administration. We review every commercial lending function, system, and process, and assess the knowledge level of all personnel and reporting structures.

• Improved customer service and system utilization
• Reduced redundancies and processing times
• Right-sized resource levels for maximum revenue

A targeted tool that pinpoints exactly where a specific profit driver is underperforming—giving management the data it needs to act quickly.

• Identifies lost revenue for specific profit drivers
• Isolates the specific unit requiring immediate attention
• Calculates and provides comparative Profit/Loss income and ratios
• Provides reports that empower management with actionable solutions

Our proprietary Yield Calculator takes essential and proven credit factors into account to ensure approved new or existing loans meet or exceed the corporate threshold yield—improving loan portfolio soundness while protecting your margin.