Deposit Analyzer/Optimizer Suite
Comprehensive deposit intelligence across Consumer, Small Business, Wealth, and Commercial — benchmarking, analytics, and pricing optimization for your entire balance sheet
One platform for total deposit performance: benchmarking and optimization spanning every line of business, trusted by leading U.S. institutions.
Bank funding strategy isn’t managed one line of business at a time — institutions must be constantly evaluating deposit opportunities across consumer, small business, wealth, and commercial segments and comparing performance across the portfolio.
The Deposit Optimizer + Analyzer Suite is the only platform that gives you visibility and capability across the breadth of your deposits. The Analyzer benchmarks your performance against peer benchmarking data spanning $6 trillion in deposits, using account-level data sourced directly from participating institutions — covering cleared rates, flow of funds, portfolio and acquisition mix, deposit betas, and cost of funds, including the market's only source for marginal cost of funds.
The Optimizer layers on granular, institution-specific analytics: price elasticity models by product, market, and segment; long-term value estimation; and automated dashboards that support pricing committee and ALCO decisions across the deposit franchise. Backed by 20+ years of established deposit methodology, dedicated Client Success coaching, and ready access to Curinos experts across consumer, business, wealth, and commercial deposits, the suite helps connect the dots between enterprise-wide intelligence and discrete pricing decisions that grow balances while managing costs — through every rate environment.
Product Benefits
Your Entire Balance Sheet, One Platform
Benchmark and optimize deposits across Consumer, Small Business, Wealth, and Commercial from a single platform — building consistency and cross-LOB visibility into insights and decisions.
Outperform Through Every Rate Cycle
Curinos Deposit Optimizer clients have consistently grown deposits faster than peers while maintaining lower deposit costs — in both rising and falling rate environments.
Price With Precision, Not Reaction
Elasticity models by product, market, and segment reveal exactly where rate moves will drive balance growth — and where you're overpaying for deposits you'd retain anyway.
Our Key Features
Cross-LOB Benchmarking and Analytics
Compare performance within and across Consumer, Small Business, Wealth, and Commercial portfolios using account-level peer data — including flow of funds, cleared rates, and marginal cost of funds.
Price Elasticity Modeling
Link posted rates to actual booked behaviors to identify profit-maximizing price points, avoid "no man's land" pricing, and target offers where customers genuinely see value.
Actionable Dashboards and Reporting
Automated and live reports built to support ALCO, pricing committees, and rapid product decisions — with a unified view spanning every deposit line of business.
Key Stats
Analyzer benchmarks span $6 trillion in deposits across Consumer, Small Business, Wealth, and Commercial
Curinos Deposit Optimizer clients outperform peers by 15 bps across upward and downward rate environments while maintaining or exceeding growth
Curinos clients achieved 2.3 percentage points more deposit growth than comparable non-client institutions