Financial Institutions

For 37 years, Haberfeld has 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.

Man giving presentation


Core Customer

With our multifaceted High Performance Growth™ strategy, Haberfeld clients experience sustainable growth in account openings, profitability, and market share.

Grow low-cost core deposits, recurring noninterest income (without raising fees), and loan volume. In today’s higher rate environment, our tenured clients average a 37 basis point cost of funds advantage compared to peers.

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

Loan Growth

Improvement in Efficient Ratio

Service Charge Income

Cost of Funds Advantage

A Fundamental Truth

Your branch location costs are fixed, yet most locations have significant excess capacity to serve more people. Therefore, the best way to increase profitability is not to cut expenses; it’s to earn and develop as many new core relationships as possible. Every year, 8 to 12% of checking accountholders in your market will switch institutions, and you want to be top of mind 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.

HPG + High Performance Growth
“Everybody is on the same page, we’re all steering the boat in the same direction, we’re all focusing on getting all of the customers.”

Amy Hall, Chief Customer Service Officer, First Community Bank

Grow Teams, Leaders and Income

Maximize your strategy with additional solutions for today’s challenges.
MobilePredict by Haberfeld

Maximize ROI on your marketing dollars while accelerating new prospects

Benefits Checking

A value-added checking product that increases value for accountholders and income for you

Cultivate - Accelerating Teams

Track employee growth to maximize teams and drive results

Fisionary logo

Get the most out of every single relationship with our Intelligent Relationship Growth products

It’s Time to Grow