Serving
Financial Institutions
For 37 years, we’ve helped community financial institutions grow core relationships at unprecedented rates. In the last decade alone, we’ve helped our clients— hundreds of community financial institutions nationwide —earn more than 7.5 million new core relationships.
2X
Core Customer
Acquisition
With our multifaceted High Performance Growth™ strategy, our clients experience sustainable growth in account openings, profitability, and market share.
Growing low-cost core deposits, recurring noninterest income (without raising fees), and loan volume. Because of a strong deposit mix, our clients’ cost of funds is well below their peers; they pay $0.70 on the dollar for all their funding needs.
The Results
Haberfeld clients significantly outperform their peers.
The Industry Average in Deposit Growth
Average Products per New Household
Higher ROA on Average Compared to Peers
Better Cost of Funds
Million New Core Relationships
Improvement in Efficient Ratio
Service Charge Income
Loan Growth
A Fundamental Truth
Your location costs are fixed, but each location likely has great excess capacity to serve more people. Therefore, the best way to increase profitability isn’t to cut expenses; it’s to earn and develop as many new core relationships as possible. Every year, 8 to 12% of checking accountholders switch institutions, and you want to be there when they do. So does every other institution, which is why big banks are pulling out all the stops—and why now is the time to act.
Comprehensive Strategy
Align your products, marketing, and customer service for optimal growth.