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revenue improvement strategies



No matter your asset size, type of market or location, Lodestone will work with your team to reach the highest possible results.





Recurring Revenue Analysis (RRA)



Recurring revenue analysis is a comprehensive analysis of the entire bank’s revenue producing products and services. Our analysis and methodology looks deep within banking systems and operations to locate hidden revenue opportunities such as correcting less profitable system settings to generate immediate and sustainable revenue.


Lodestone assists with implementation of all accepted recommendations and establish tracking mechanisms to measure the additional revenue resulting from implementation of the recommendations.


Click to read roll-up services:




Core System Profitability Analysis



Lodestone Banking has considerable expertise with core banking platforms. Such as: Jack Henry, Fiserv, FIS, and Hogan.


We know their capabilities and limitations so we know how to get more revenue out of them. Lodestone is adept at using a client's core banking system to both identify profit improvement opportunities and manage settings so as to realize earnings benefits. Traditionally, banks have viewed their core systems as purely transaction processing and accounting systems. Lodestone sees them as tools to implement improved earnings.



Pre and Post M&A
Consolidation Analysis



Determine the appropriate internal organizational structure, the location for various deposit and lending activities in addition to the required staffing level at each department. Optimizing your profits requires a keen focus on right-sized departments to execute the business function (at times, generating additional revenues and profits requires adding key personnel within critical business functions). We identify improvements in procedures, workflow, data processing and other automation opportunities. Merger and Acquisition Consolidation services are used to better identify the projected value from combined organizations. Lodestone then helps to achieve projections soon after the M&A.



Retail & Commercial Lending Profitability Analysis



Lodestone improves lending business practices by streamlining, automating, and standardizing working methods, including credit administration. We review and analyze every commercial lending function, system and process as well as review knowledge level of all personnel and reporting structures. Our recommendations result in improved customer service and enhanced utilization of systems, through reduced redundancies and processing times. We right-size resource levels for maximum revenue and profits.





OD Matrix



Lodestone clients consistently accept and implement this recommendation. This revenue strategy is 100% compliant and typically adds $250K to $500K of non-interest revenue for every $1 billion in bank assets. The OD Matrix will optimize your bank’s transactions; it will not interfere with the bank's existing automated overdraft product and can easily be implemented on all core systems. Implementation does not require a discloser.



Loan Yield Calculator



This service takes essential credit & risk factors into account to ensure the new or existing loans will meet or exceed the corporate threshold yield while improving loan portfolio soundness.



Business Analyzed Accounts



Most financial institutions struggle with understanding the numerous facets to this Profit Driver. Fact: In this critical area, core providers do not offer enough training to their banking clients, which results in a sub-optimal revenue strategy. For over two decades the Lodestone solution has delivered the results our clients want to see.



Opt-In Program



Since 2008, Lodestone has seen Opt-In rates from 14% to a high of 36%.The industry’s non-interest revenue is very low and Lodestone’s Opt-In Program is a proven solution to an institution’s low Opt-In performance. We typically see a 3% - 6% increase each year.



Improved Revenue Reporting Tools



One client that accepted over $4 million from Lodestone said; “I think the most value Lodestone brought to my institutions was through improving the reports I’m able to have quick access to. Now, just minutes before a board or management meeting, I am able to have everything I need to discuss areas of concern. Prior to Lodestone, I would have to ask for the information days in advance. For me, it’s been a big improvement!”



Lodestone Banking



1 (315) 420-6756
m-c-clark@lodestonebanking.com