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How It Works
Why T3
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Contact Us
Hidden Costs of Doing Nothing
Hidden Cost of Doing Nothing
Estimate the deposit leakage and earnings impact of standing still for 12–24 months.
Inputs
Deposits at Risk
A segment, product pool, or total deposits you’re concerned about.
$
Annual Runoff / Attrition (%)
Typical annual outflow from churn, rate shopping, life events, and drift.
Competitor Capture of Lost Deposits (%)
How much of that runoff likely ends up at other institutions.
Time Horizon
Choose how long you want to model “standing still.”
12 months
24 months
Show earnings assumptions
Earnings Assumptions
Net Interest Margin (NIM) (%)
Optional. Used to estimate annual earnings impact of the net deposit gap.
Savings Rate on Prevented Leakage (%)
Optional. If you take action, how much of the leakage could you realistically reduce?
Note:
This is a directional model. Real-world outcomes depend on product, pricing, channel mix, and audience quality.
Results
Projected Deposit Runoff
—
—
Likely Competitor Capture
—
Estimated share of runoff leaving your market position.
Net Deposit Gap
—
This is the “silent loss” from doing nothing.
Estimated Annual Earnings Impact
—
Based on NIM and the modeled net deposit gap.
If you reduce leakage…
Prevented Leakage
Deposits Retained
Annual Earnings Preserved
—
—
—
Want to replace assumptions with your actual runoff patterns? T3 can model deposit risk and prioritize the households most worth protecting.
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