Growing deposits and loans today isn’t about doing more marketing. It’s about doing the right things, in the right order, with the right data.

Here are the 4 steps we take to grow your accounts

Step 1: Data & Intelligence

We start with what you already have.

We analyze your core and account-level data to understand who your most valuable households are and what signals indicate readiness for new deposit and loan products. This include:

Output

A clean, actionable intelligence layer that informs every decision that follows.

Step 2: Precision Targeting

The right households, defined with intention.

Using the intelligence layer, households are segmented by:

Each segment is tied to a specific product objective, not a generic audience bucket. This ensures offers feel timely, relevant, and aligned with real financial behavior.

Output

Modeled household segments mapped to specific deposit and loan strategies.

Step 3: Activation

Coordinated campaigns, built to look and feel like your brand.

With targeting in place, we deploy coordinated campaigns across:

Creative is developed in-house to ensure:

Output

Live campaigns in market, reaching the right households with the right message.

Step 4: Measurement & Optimization

Performance tracked at the account and balance level.

T3 doesn’t stop at clicks or impressions. Campaign performance is evaluated using:

Output

Clear performance visibility and a system that improves with every cycle.

The Impact of T3 on Your Institution

Based on our proprietary modeling, here is the Year-1 performance outlook across various institution sizes

METRIC	COMMUNITY BANK	REGIONAL BANK	MID-MARKET	ENTERPRISE
Branch Count	Less than 10	11–25	26–100	100+
Current Households	25,000	50,000	100,000	250,000
Expected IRR	1.10%	1.25%	1.30%	1.41%
Accounts Acquired	3,333	3,806	5,967	9,555
Deposits Acquired	$53M	$60M	$95M	$152M
Year-1 Value	$499k – $999k	$570k – $1.1M	$895k – $1.7M	$1.4M – $2.8M

Quantifiable Value for Every Account

We focus on and growing accounts, which provide the highest long-term value to your bank. Each account acquired through the T3 program is modeled for maximum profitability

Deposit accounts are modeled to generate $150 to $300 per year in annual revenue. Loan accounts are modeled to generate $250 to $2,000 per year.

$20,500 average total balance per deposit account. $53,000 average outstanding balance per loan account.

With an average account lifespan of 4.7 years, total LTV per account ranges from $480 to $3,000 for deposit accounts and $975 to $15,000 for loan accounts.

For a community bank, the combined lifetime value of accounts acquired over their lifetime estimated between $1M and $8M, depending on your reach and market size.

How Success Is Defined

Once the system is in place, each new initiative becomes easier, faster, and more informed.

New Funded Accounts

Growth tied directly to campaign exposure

Account Balance Growth

Measured impact, not assumed influence

Cost Efficiency

See cost per funded account and deposit lift

Ready to see this applied to your market?

See how the T3 system would work with your products, your footprint, and your goals.