We deliver outstanding growth and profitability for financial institutions nationwide

Your financial institution can achieve these results. Kayla can show you how. 

Your financial institution can effectively accelerate core deposit growth despite the challenges of an extremely competitive environment. While there are no shortcuts or promotions to magically generate core growth, there is a disciplined, step-by-step process that is proven to work.

Driven by data, innovation, and over 35 years of experience, Haberfeld's High Performance Growth^™ (HPG^™) Strategy optimizes every aspect of your institution to achieve immediate and lasting growth. 

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

Banks executing a growth strategy like Haberfeld’s HPG^™ Strategy, simply have more noninterest income. As the customer-base increases, noninterest 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 noninterest income.

Having more customers is one of the best ways to guarantee strong performance in all economies. In addition to boosting noninterest 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.

Service Charge Income per Branch (Dollars in Thousands)

Noninterest Income to Average Assets (%)

More than 2.4x service charge income!

50% more noninterest income!

the industry average in deposit growth.

Haberfeld clients enjoy

HPG^™ STRATEGY

Our proven strategy produces results.

HPG^™ has three pillars. Consulting ensures the best products and fewest barriers. Training boosts employee buy-in and execution. Marketing attracts prospects through proven messaging and channels. Together, these pillars deliver immediate, significant, and long-term growth.

Increase core deposits, loans, and noninterest income while improving cost of funds 

Leverage excess capacity in your branches

Strategically target new core relationships with ROI focused marketing

7.5

2x

5.4

million new core relationships added by Haberfeld in the last decade 

sustained lift in checking account openings

average products and services per new household

29%

higher ROA on average compared to peers

WHAT OUR CLIENTS SAY

“

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

EVP, $2.4 Billion in Assets

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.

“

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 fourth largest branch network. But, it’s not the numbers that matter; it’s the connections. 

ACCELERATING GROWTH

MAXIMIZE THE HPG^™ STRATEGY

Grow Teams, Leaders, and Income

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

Track employee growth to maximize teams and drive results