Community Banking
Choose Your Journey.
More funded loans. Faster execution. Lower production costs. Explore the economics before you commit.
$4.8M Summit Distribution
From first conversation to a governed funding decision.
Public examples use illustrative data. Bank-specific access requires individual approval; no core integration is needed.
100 LABS · Community banking
Research & Discovery
Applied Decision Intelligence
Your bank has more economic potential than its current operating model is capturing.
100 LABS identifies where value is being lost, determines which decisions can create the greatest financial impact, and tests those opportunities before you commit capital, people, or technology.
Find the value. Prove the economics. Then decide.
100 LABS100 LABS studies public research on 42 community banks to find where better decisions create measurable value — then uses the ASIE Decision Engine to test it in your institution.
MORE FUNDED LOANS. FASTER EXECUTION. LOWER PRODUCTION COSTS.
Banks do not always need more people, new systems, or larger budgets to improve performance. Sometimes the greatest opportunity is improving how existing teams work, make decisions, and execute.
Governed decision support for your lenders — never autonomous credit decisions, and no required changes to your core system.
Research that informs strategy
A stronger earnings story starts with better questions.
Across 42 community banks, public research shows where reported earnings fall short of potential. The figures below are not a promise of higher returns — they are a case worth testing in your institution.
$28.4B
Assets studied
Across 42 community banks, from published call-report data.
$20.3B
Net loans in the cohort
A portfolio-scale view of the opportunity for better lending decisions.
2.24%
Median reported ROA
An earnings benchmark drawn from the public research cohort.
$28.4M
Potential annual income lift
Modeled at +10 bps across the cohort. At +5 bps, 30 of 42 banks would cover the year-one cost.
Source: FDIC BankFind Suite call-report data, report date 2026-06-30. Bank identities withheld. Added income = total assets × assumed ROA lift. Scenarios are modeled outcomes, not forecasts, verified improvements or bank results.
From insight to execution
Make the next lending decision a more informed one.
A commercial loan journey shows where value is being lost: where prospects stall, which changes could improve conversion, and what those changes might be worth. ASIE turns the evidence into a decision, an accountable execution plan and a 30-day learning cycle.
Pre-populated loan journey
Harbor Valley Community Bank: commercial lending
A fictional $1.2B relationship bank runs one commercial lending decision through the six ASIE stages — from framing the baseline to learning from the outcome.
Synthetic data and illustrative assumptions. Modeled outcomes are not guaranteed or client results.
Understand — baseline and constraints
Frame the decision: where volume is lost in the lending funnel, what the bank earns per funded loan, and what is fixed.
Baseline assumptions
Baseline funnel
Baseline: 59 funded loans per year.
Decision charter: the Chief Lending Officer owns the decision. Success means more funded volume without relaxing credit policy.
The institution-wide value case
Think beyond one loan. Evaluate the larger opportunity.
One journey is a starting point, not the ceiling. Model what incremental ROA improvement could mean for annual earnings at your bank’s scale — then weigh the return against the pilot and subscription before committing capital.
Beyond one journey
What's possible across the whole loan portfolio
The journey above covers a single loan decision. Applied across the bank's full loan portfolio, ASIE explores a target hypothesis, not a guaranteed return. The illustrative baseline is 1.96% ROA; we model +5 to +10 basis points for banks from $100M to $1B in assets, not realized bank-wide results.
30-day pilot
$19,999
Standard annual subscription
$93,000
Pilot credit
− $5,000
Year-one investment
$107,999
Annual enterprise tiers: $93,000 / $121,000 / $149,000. Scope and inclusions must be validated against the approved commercial contract. The model below uses Standard.
| Total assets | Baseline net income | New ROA | Added net income / yr | Year-one ROI | Year-two ROI | Payback |
|---|---|---|---|---|---|---|
| $100M | $1,960,000 | 2.06% | $100,000 | -7% | 8% | 13.0 mo |
| $200M | $3,920,000 | 2.06% | $200,000 | 85% | 115% | 6.5 mo |
| $300M | $5,880,000 | 2.06% | $300,000 | 178% | 223% | 4.3 mo |
| $400M | $7,840,000 | 2.06% | $400,000 | 270% | 330% | 3.2 mo |
| $500M | $9,800,000 | 2.06% | $500,000 | 363% | 438% | 2.6 mo |
| $600M | $11,760,000 | 2.06% | $600,000 | 456% | 545% | 2.2 mo |
| $700M | $13,720,000 | 2.06% | $700,000 | 548% | 653% | 1.9 mo |
| $800M | $15,680,000 | 2.06% | $800,000 | 641% | 760% | 1.6 mo |
| $900M | $17,640,000 | 2.06% | $900,000 | 733% | 868% | 1.4 mo |
| $1B | $19,600,000 | 2.06% | $1,000,000 | 826% | 975% | 1.3 mo |
Added net income = total assets × ROA lift. Year-one ROI uses the $107,999 investment; year two uses the $93,000 Standard subscription alone. Illustrative modeling for an archetype bank, not a forecast or client result; validate against the bank's own call-report data.
Perspective grounded in public research
Put your bank’s potential in perspective.
See how institution size and reported earnings shape the economics of improvement across 42 anonymized community banks. Use the comparison to frame the questions for your own institution — not as proof of results, but as a starting point for discovery.
42-bank community cohort
Modeled on public research
Each bank's total assets, net loan portfolio and return on assets come from public research — published regulatory call-report data (as of 2026-06-30). We apply the same ROA lift and 100 LABS pricing to every bank. Bank names and locations are withheld; each row is identified by size, largest first.
Cohort total assets
$28.43B
Cohort net loans
$20.35B
Median ROA today
2.24%
Added net income / yr (all 42)
$28,433,807
Under the hypothetical +10 bps assumption, 42 of 42 banks would cover the year-one investment. This is sensitivity analysis, not a promised result.
| Bank | Total assets | Net loans | ROA today | Added net income / yr | Year-one ROI | Year-two ROI | Payback |
|---|---|---|---|---|---|---|---|
| Community bank 1 | $3.49B | $2.68B | 1.96% | $3,486,738 | 3128% | 3649% | 0.4 mo |
| Community bank 2 | $2.49B | $2.21B | 2.01% | $2,485,275 | 2201% | 2572% | 0.5 mo |
| Community bank 3 | $2.34B | $1.74B | 2.13% | $2,344,611 | 2071% | 2421% | 0.6 mo |
| Community bank 4 | $2.16B | $1.32B | 2.06% | $2,164,532 | 1904% | 2227% | 0.6 mo |
| Community bank 5 | $2.03B | $1.49B | 2.50% | $2,032,246 | 1782% | 2085% | 0.6 mo |
| Community bank 6 | $1.59B | $1.14B | 2.61% | $1,594,265 | 1376% | 1614% | 0.8 mo |
| Community bank 7 | $1.34B | $747M | 2.99% | $1,339,307 | 1140% | 1340% | 1.0 mo |
| Community bank 8 | $1.09B | $859M | 3.41% | $1,086,025 | 906% | 1068% | 1.2 mo |
| Community bank 9 | $815M | $603M | 2.35% | $815,168 | 655% | 777% | 1.6 mo |
| Community bank 10 | $811M | $575M | 1.66% | $810,841 | 651% | 772% | 1.6 mo |
| Community bank 11 | $694M | $609M | 1.94% | $694,056 | 543% | 646% | 1.9 mo |
| Community bank 12 | $688M | $530M | 2.26% | $687,604 | 537% | 639% | 1.9 mo |
| Community bank 13 | $643M | $296M | 2.63% | $643,470 | 496% | 592% | 2.0 mo |
| Community bank 14 | $643M | $458M | 2.22% | $643,130 | 495% | 592% | 2.0 mo |
| Community bank 15 | $634M | $412M | 2.08% | $634,277 | 487% | 582% | 2.0 mo |
| Community bank 16 | $478M | $344M | 2.18% | $477,821 | 342% | 414% | 2.7 mo |
| Community bank 17 | $458M | $277M | 2.15% | $458,390 | 324% | 393% | 2.8 mo |
| Community bank 18 | $436M | $205M | 2.12% | $436,363 | 304% | 369% | 3.0 mo |
| Community bank 19 | $424M | $388M | 2.08% | $424,162 | 293% | 356% | 3.1 mo |
| Community bank 20 | $416M | $297M | 2.09% | $416,153 | 285% | 347% | 3.1 mo |
| Community bank 21 | $340M | $177M | 2.39% | $340,264 | 215% | 266% | 3.8 mo |
| Community bank 22 | $322M | $213M | 1.86% | $321,642 | 198% | 246% | 4.0 mo |
| Community bank 23 | $309M | $76M | 3.26% | $308,595 | 186% | 232% | 4.2 mo |
| Community bank 24 | $277M | $211M | 2.01% | $277,449 | 157% | 198% | 4.7 mo |
| Community bank 25 | $269M | $231M | 2.82% | $268,639 | 149% | 189% | 4.8 mo |
| Community bank 26 | $260M | $154M | 2.57% | $260,430 | 141% | 180% | 5.0 mo |
| Community bank 27 | $255M | $182M | 2.05% | $255,403 | 136% | 175% | 5.1 mo |
| Community bank 28 | $251M | $170M | 2.48% | $251,458 | 133% | 170% | 5.2 mo |
| Community bank 29 | $241M | $198M | 2.19% | $240,706 | 123% | 159% | 5.4 mo |
| Community bank 30 | $220M | $147M | 1.90% | $219,569 | 103% | 136% | 5.9 mo |
| Community bank 31 | $208M | $168M | 1.96% | $208,094 | 93% | 124% | 6.2 mo |
| Community bank 32 | $207M | $173M | 2.31% | $206,946 | 92% | 123% | 6.3 mo |
| Community bank 33 | $182M | $144M | 2.63% | $181,836 | 68% | 96% | 7.1 mo |
| Community bank 34 | $180M | $146M | 2.46% | $180,435 | 67% | 94% | 7.2 mo |
| Community bank 35 | $180M | $96M | 2.29% | $179,515 | 66% | 93% | 7.2 mo |
| Community bank 36 | $173M | $116M | 3.04% | $173,027 | 60% | 86% | 7.5 mo |
| Community bank 37 | $171M | $120M | 3.43% | $170,869 | 58% | 84% | 7.6 mo |
| Community bank 38 | $166M | $89M | 1.77% | $165,547 | 53% | 78% | 7.8 mo |
| Community bank 39 | $157M | $137M | 1.84% | $157,269 | 46% | 69% | 8.2 mo |
| Community bank 40 | $154M | $121M | 2.43% | $154,029 | 43% | 66% | 8.4 mo |
| Community bank 41 | $124M | $53M | 2.29% | $123,534 | 14% | 33% | 10.5 mo |
| Community bank 42 | $114M | $40M | 2.33% | $114,117 | 6% | 23% | 11.4 mo |
Source: public research — FDIC BankFind Suite call-report data, report date 2026-06-30. ROA is annualized year-to-date. Added net income = total assets × ROA lift. Modeled outcomes, not forecasts, offers or bank results; no bank has endorsed or engaged 100 LABS.
Find the value. Prove the economics. Then decide.
What could better decisions be worth to your bank?
Bring one consequential lending decision. We identify where value is being lost, model the economics, and test them before you commit capital, people, or technology.
Request a discovery callA focused conversation about your institution
- Where value is being lost in your loan journey
- Which decisions create the greatest financial impact
- What a 30-day ASIE pilot would prove