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375 new accounts. $5.27 million in new balances. Three programs, one model.

The big banks are working your market with cash offers and predictive intelligence, picking off the most profitable households first. Most community institutions still answer by ZIP code. The three institutions in this report answered with a model. Every figure below comes from official monthly management reports. Real accounts, real balances, no projections.

3

INSTITUTIONS REPORTING

375

NEW ACCOUNTS, PROGRAM TO DATE

$5.27M

INSTITUTIONS REPORTING

234% to 1,556%

INSTITUTIONS REPORTING

/THE MODEL

Most targeting predicts who will respond. T3 models who will be profitable.

A response is easy to buy. A relationship is not. That difference is the entire design of this program, and it is why every case study below measures balances and account quality, not clicks. See the full four-step system.

  • Turnkey
Quick launch, minimal lift from your internal team
  • Targeted
Behavior-based modeling, hyper-local branch targeting
  • Tailored
Creative in your brand and voice, never outsourced-looking
  • Pricing
Flat cost per acquired account, reported monthly at account and balance level

3 Cases / Documented Endpoints

CASE A / 4 MONTHS

1,556%

RETURN ON MARKETING INVESTMENT

The Proven Performer
Response climbed every month for four straight months, from 0.48% to 0.63%, with nothing changed but tenure. 197 accounts, $1.96 million in new balances.
Read Case A

CASE B / MONTH ONE

$26,931

AVERAGE BALANCE PER ACCOUNT

Day-One Performance
One send. 53 new accounts at a 0.64% response rate, the best single-month conversion in the portfolio, and nearly triple the portfolio’s average balance.
Read Case B

CASE C / 60 DAYS

125

New Accounts in two months

Momentum in Motion
Month two nearly doubled month one across every metric. Accounts, response, balances. CD balances went from zero to $350,752, and the strongest month is still the most recent one.
Read Case C

The Reporting Standard

Every figure in this report is sourced directly from official monthly management reports. Real accounts, real balances. No projections.

See the model run on your own core file before you spend a dollar.

A market projection shows what T3 targeting would find in your footprint, using your data. No cost, no commitment.

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