Original Research on PCBB

PCBB Customer Statistic

9 out of 10 C-suite executives chose BLP as it allowed their institution to be more competitive

89%

PCBB Case Study

Traditions Bank Won More New Business Using Proﬁtability FIT

Introduction

This case study of Traditions Bank is based on a May 2021 survey of PCBB customers by TechValidate, a 3rd-party research service.

“We have been a Proﬁtability FIT client for a number of years. It is complex enough to provide valuable pricing and relationship proﬁtability modeling, while not so complex that it becomes unusable for our sales ofﬁcers.”

Challenges

Traditions Bank selected PCBB and Proﬁtability FIT as they faced many business challenges including:

Not pricing business loans competitively
Inconsistent loan pricing
Not being able to identify who their most profitable customers are

Use Case

Traditions Bank chose PCBB’s proﬁtability solution over the competition because PCBB stands out from the competition in several ways:

Understands their needs and situation
Provides insights so they can make better-informed decisions
Allows their institution to be more competitive in the marketplace

Furthermore, Proﬁtability FIT provided the following advantages over the competition:

The flexibility of the solution to grow with their institution as its needs change
Meets the needs of various roles and departments
Competitive pricing

Results

Traditions Bank experienced many beneﬁts with PCBB’s Proﬁtability FIT. They included:

Built intellectual capital, creating stronger bankers
Provided objective, robust data to guide loan pricing strategies
Maximized income based on the full customer relationship

Company Profile

Company:
Traditions Bank
Formed in 2002, Traditions Bank operates seven full-service branch offices and a loan production office in south-central Pennsylvania. With assets of $720 million and over 150 associates, Traditions Bank provides depository and borrowing services to businesses and individuals located within its geographic footprint. The Bank is the leading provider of residential mortgages in York County and has been a Bauer Financial recommended financial institution for more than a decade.

Asset Size:
$720MM

PCBB Case Study

International City Bank Finds BLP Simple and Efﬁcient

Introduction

This case study of International City Bank is based on a February 2021 survey of PCBB customers by TechValidate, a 3rd-party research service.

“PCBB’s customer service team worked flawlessly with my loan operations folks to set up BLP swapped loans in our core processing system. It was clear that they have walked in our shoes and understand how to advise us.”

Challenges

International City Bank was faced with several business challenges including:

Losing deals to competition that could offer longer-term rates
Giving up present NIM for future gains
Aversion to swaps

The bank ultimately selected PCBB and Borrower’s Loan Protection (BLP) to overcome these challenges.

Use Case

International City Bank carefully reviewed the BLP hedging solution and was impressed by the following features, where PCBB stood out from the competition:

Understands their needs and situation
Is a trusted partner
Allows their institution to be more competitive in the marketplace
Provides outstanding customer service

Also, BLP provides advantages over the competition including:

Team provides expertise
Doesn’t compete against them
Helps their institution explain the solution to their borrower
Allows their institution to be more competitive

Results

International City Bank experienced many beneﬁts after using BLP with their customers. These beneﬁts include:

Increased competitive advantage
Mitigated interest rate risk
Met/exceeded lending goals
Attracting new customers

Using BLP, International City Bank won 76-100% of competitive deals.

PCBB Advisory Services Customer Research

Key Benefits of Profitability FIT

(percent of customers)

Provide robust data to guide loan pricing	67%
Maximize income based on customer relationship	52%
Retaining the right customers for the long-term	48%
Builds intellectual capital and stronger bankers	38%

PCBB Customer Statistic

4 OUT OF 5 CUSTOMERS

won more than 25%+ competitive deals using BLP

PCBB Customer Research

International Services Solve Many Challenges for Customers

What challenges were you trying to solve before you began using International Services from PCBB?

Slow and inefficient method for processing international payments	55%
Our previous process was very manual	47%
Lack of customer service from current provider	37%
Losing customers	3%

TechValidate Research on PCBB

These pages present data that TechValidate has sourced via direct research with verified customers and users of PCBB. TechValidate stands behind the authenticity of all published data. Learn more »

About TechValidate Research

Selected Research Highlights

Traditions Bank Won More New Business Using Proﬁtability FIT

Introduction

Challenges

Use Case

Results

Company Profile

About PCBB

International City Bank Finds BLP Simple and Efﬁcient

Introduction

Challenges

Use Case

Results

Company Profile

About PCBB

Key Benefits of Profitability FIT

4 OUT OF 5 CUSTOMERS

International Services Solve Many Challenges for Customers

More to Explore

About PCBB

Founded in 1997, PCBB was created with the sole purpose of helping community ﬁnancial institutions become stronger. Our mission is to provide fellow bankers with high-quality, competitively-priced solutions and personalized service without competing against them.