Performance Enhancement

Enhance annual earnings through improved processes and efficiency.

The PRI Way

Hands On Approach

Our consultants follow a hands-on approach and work with your team at the desk-level, uncovering each department’s strengths, weaknesses and process inefficiencies to deliver practical recommendations that will save time and money.

Experts with Practical Industry Experience

Our team consists of seasoned banking professionals with an average of 30+ years of solid, practical experience in all aspects of financial services.

Implement Quantifiable Change

While most consulting firms provide strategic guidance, we provide uniquely crafted tactical plans for implementing real change. We do what it takes to be a catalyst for change even after the project is over.

Start with an Assessment Today

We gather and analyze data from your financial institution.
We conduct interviews – either 2 days on-site or remote.
Based on our research, we’ll present an executive report highlighting quantified opportunities to improve NII, NIE, and processes.
Once completed, we’ll send a customized engagement letter for a full performance enhancement project.

Our Process

Our team of seasoned professionals comes onsite to conduct a deep-dive analysis of NII and NIE in addition to a detailed review of all processes throughout the bank.

Non-Interest Income

Analyze current non-interest income and make recommendations for enhancing those revenues. Review collection practices, optimize products and services, improve interchange income, etc.

Non-Interest Expense

Analyze and compare expenses to PRI benchmarks. The detailed review includes accounts payable invoices, contracts, and policies and procedures surrounding miscellaneous costs.

Process Improvement

Improve the key processes and end to end workflows for all deposit and lending related functions.

The process review will include but isn’t limited to:

Treasury services
Retail strategy
Branch operations
Deposit operations
Loan origination and operations
Call center

Capacity Planning

Develop customized capacity plans for service and production departments by analyzing volumes, resource availability, throughputs and organizational goals.

Organizational Structure

Review organizational alignment and structure for overall effectiveness. A revised org chart will be recommended.

Once complete, we’ll deliver detailed recommendations to improve processes, NII and NIE.

Our leadership team had been talking about initiating an internal process & profit improvement project for years, but the day-to-day activities prevented that from happening. We chose PRI for their hands-on approach with their team of experienced bankers.

Jim Plagge, CEO

Bank Iowa

PRI’s approach allowed them to gain the trust of our teams, which led to insights from all levels of the organization and a long list of recommendations that we are now working to implement. We consider them a long-term partner in our strategy of continuous business process improvement.

Jennifer Lee, COO

First State Community Bank

PRI has proven to be a valuable partner, consistently delivering exceptional results. Their commitment to ethical practices, coupled with their collaboration skills, makes them a trusted ally for our team

Dan Maddox, Chairman & CEO

Citizens State Bank of New Castle

We have seen a "PRI effect" happening throughout the Bank - after the project, people feel more empowered to question things.

Syd Whitlock, President

New Washington State Bank