We deliver outstanding growth and profitability for banks in New Jersey and nationwide

Haberfeld is a proud Associate Member of the New Jersey Bankers Association

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Haberfeld

Grant Ossenkop and Bryan Easley can explain how your bank can benefit from Haberfeld’s proven growth strategy. 

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Nationally, in 2019, our new clients doubled their rate of new core customers and deposits through household relationships that will last an average of nine years. And, our clients beat their competitors’ ROA by 15% and ROE by 20.5%. We can deliver these incredible results for your bank, too.

CASE STUDIES

WVBA 2020 Annual Conference

July 26-28 in White Sulphur Springs, West Virginia

FIND US IN WEST VIRGINIA

First, the program works. Second, support is consistently delivered. Third, communications are of value ... plus our consultants are always accessible to us. I hired Haberfeld twice, at two different companies.

EVP, $2.4 Billion in Assets

I am convinced we have better products, better training, better customer experience inside the branch, and more effective marketing than anybody in any of our markets.

President & CEO, $560 Million in Assets

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We know New Jersey

We've helped numerous New Jersey banks succeed in core customer acquisition

7 Office,
$440 Million Bank

7 YEAR RESULTS

15 Office,
$384 Million Bank

4 YEAR RESULTS

52 Office,
$2.3 Billion Bank

1 YEAR RESULTS

Read more about the Haberfeld approach

ARTICLES

Upside Down Thinking on Efficiency: Do You Have Your Priorities Backwards?

Published in Banking Mid Atlantic

Banks with a high efficiency ratio often focus on cutting expenses (supplies, salaries, etc.). In fact, it’s much better to increase the earnings side of things. Haberfeld has helped increased the clients' efficiency ratios by 63%, all through attracting new customers and core deposits at existing branches.

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Enhance your fee revenue in any environment, while keeping your most profitable customers longer

Banks executing a growth strategy like Haberfeld’s High Performance Growth (HPG) Strategy, simply have more non-interest income. As the customer-base increases, non-interest income also increases – not because of regular service charges, but instead through more customers utilizing income producing services, such as interchange income and valuing overdraft services.

The following charts illustrate the impact that focusing on growth and having significantly more customers has on non-interest income.

Having more customers is one of the best ways to guarantee strong performance in all economies. In addition to boosting non-interest income, more customers also cushion profitability by adding more low-cost funding, relational intensity, and loans from local markets. Banks executing Haberfeld’s HPG strategy consistently have up to 2x the number of customers per branch when compared to industry averages.

YTD Service Income per Branch
Cumulative YTD Service Income Change Over 2013

Grant Ossenkop, Vice President
gossenkop@haberfeld.com
Direct 402.323.3605

Cell 402.570.4030

Grant Ossenkop
Bryan Easley

Bryan Easley, Vice President
bryan@haberfeld.com
Cell 402.540.5751

© 2020 Haberfeld. All rights reserved.

Accelerating growth for New Jersey banks.

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Haberfeld

Haberfeld is more than 80 financial industry professionals helping hundreds of clients connect with the people they want to reach. Together, we’ve built core relationships in the millions and combined, we have the nation’s fifth largest branch network. But, it’s not the numbers that matter; it’s the connections.

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