Total Bank Performance Intelligence
Strategic intelligence across five pillars—Revenue, Cost, Capital, Risk, and Operations. Built on public regulatory data we've already analyzed for your bank.
The Five Pillars of Bank Performance
Precision intelligence across every dimension of your bank
Revenue Intelligence
Understand where your revenue actually comes from—and where it could come from. TBPI analyzes customer segment profitability, fee income trends, and pricing position relative to peers.
Signature questions:
- →"Which customer segments drive the most value?"
- →"How does our NIM compare to peer quartiles—and what's driving the gap?"
- →"Where are the untapped fee income opportunities?"
Cost Intelligence
See exactly where your efficiency ratio comes from—and where top-quartile peers are outperforming you. TBPI identifies specific cost drivers, not just ratios.
Signature questions:
- →"Where are our efficiency gaps versus top-quartile peers?"
- →"Which cost categories are growing faster than revenue?"
- →"What's driving our non-interest expense per asset?"
Capital Intelligence
Optimize balance sheet composition and capital allocation within regulatory constraints. TBPI analyzes your loan mix, investment portfolio, and capital ratios against peer benchmarks.
Signature questions:
- →"How should we allocate capital across business lines?"
- →"What's our optimal loan mix given our risk appetite?"
- →"Where are we leaving ROE on the table?"
Risk Intelligence
Understand your exposure before it becomes a problem. TBPI analyzes credit quality trends, interest rate sensitivity, and concentration risks—with peer context.
Signature questions:
- →"What's our exposure to a 200bp rate shift?"
- →"How does our credit quality trend compare to peers?"
- →"Where are our concentration risks relative to policy limits?"
Operations Intelligence
Benchmark operational performance and identify capacity for growth. TBPI analyzes productivity metrics, resource utilization, and operational leverage versus peers.
Signature questions:
- →"Where do we have capacity to grow without adding headcount?"
- →"How does our branch productivity compare to peers?"
- →"Which operational metrics are trending in the wrong direction?"
Two Ways to Work With TBPI
TBPI Platform
Self-service access to precision intelligence across all five pillars. Query your bank's performance, benchmark against peers, and explore strategic scenarios.
- ✓Immediate access—no integration required to start
- ✓Peer benchmarking across all metrics
- ✓Natural language queries
- ✓Optional internal data integration for deeper analysis
Strategic Advisory
Hands-on guidance for banks that want help interpreting insights and building action plans. Our advisory team brings experience from financial services and strategic consulting.
- ✓Executive briefings and board presentations
- ✓Strategic planning workshops
- ✓Custom analysis and scenario modeling
- ✓Implementation roadmaps
Built for the Decisions That Matter
PerLucem was founded by veterans of the intelligence community and financial services—people who spent careers solving complex problems where the stakes are real.
TBPI isn't another dashboard. It's precision infrastructure for the strategic decisions that determine whether your bank thrives in the next decade.
See What TBPI Knows About Your Bank
We've already analyzed your public regulatory data. Request a demo to see precision insights across all five pillars.