Market Sizing, Bank Positioning and Analysis

Situation

For a community bank that operates over 30 branches across a seven county region, branch performance, market position, potential and growth projections varied considerably.  Branches served retail, business and wealth customers.  In addition, branch transactions, sales and service volumes ranged from account/customer maintenance to faster than market growth. The bank’s management sought to understand which branches could be:

  • Transformed to meet emerging customer needs and use (to foster growth)
  • Rightsized to match market needs
  • Closed and consolidated
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Analysis

We took a multi-disciplined approach to examine customer channel use and evolution, market and bank and branch analytics to determine future role and function of each branch, and market value, growth and potential.  We then development of five to ten-year branch business and financial projections.

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Analysis

We took a multi-disciplined approach to examine customer channel use and evolution, market and bank and branch analytics to determine future role and function of each branch, and market value, growth and potential.  We then development of five to ten-year branch business and financial projections.

Insights

We provided the bank with per branch recommendations that detailed per branch channels, components, products and services that underlies branch transformation programs. Market coverage was maintained, branches were commensurate with sub-market conditions and branch programs were congruent with customer channel use and needs.

Branches were categorized based on the analysis into:

  • Major and minor transformations
  • Rights-sizing opportunities
  • Consolidations
  • Closures
  • Status quo
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