Bank Attrition Reduction ROI Calculator

Attrition Reduction ROI Calculator

Model how changes in customer attrition affect net operating revenue (NOR)

Scenario takeaway

Reducing attrition from 6.00% to 5.10% increases net operating revenue by $154,800.

Assumptions

Enter your institution's values, then adjust attrition with the slider to see the revenue impact.

Total CustomersTotal Deposits

Customer Attrition Rate?

Customer Acquisition Rate?

Deployable Ratio(Benchmark: 80%)?

Earning-Asset Yield(Benchmark: 5.75%)?

Funding Cost(Benchmark: 1.98%)?

Noninterest Yield(Benchmark: 0.82%)?

Scenario

Attrition Rate Adjustment

Adjust annual attrition relative to your current rate of 6.00%.

Year 1

Attrition

6.00% → 5.10%

(-90 bps)

Customers?25,250 customers is the year-end customer count assuming no adjustment to the customer attrition rate.

25,250 → 25,475

(↑225)

Deposits?$505M is the year-end deposits total assuming no adjustment to the customer attrition rate.

$505M → $509.5M

(↑$4.5M)

NOR?$17.37M net operating revenue is the year-end run rate assuming no adjustment to the customer attrition rate.

$17.37M → $17.53M

(↑$155K)

Eliminate attritionLower attrition: 6.00% to 5.10%Double attrition

Year 1 NOR Lost to Attrition

↓ $877.2K

Year 1 revenue lost to attrition, net of any recoveries.

Year 1 NOR Recovered

↑ $154.8K

Attrition rate decreased by 90 bps, resulting in $154.8K recovered revenue in Year 1.

Three-Year Revenue Impact

↑ $946.9K

Scenario versus current path

Year 1 Net Operating Revenue

Rolls revenue forward from beginning run rates through new growth, attrition, and ending run rates.

	Beginning	Attrition	Acquisition	Ending
		6.00%	7.00%
Customers	25,000	-1,275	+1,750	25,475
Deposits	$500.0M	-$25.5M	$35.0M	$509.5M
Deployable Ratio	80.00%
Deposits Deployed as Earning Assets?Equals Deposits of $500.0M multiplied by Deployable Ratio of 80.00%.	$400.0M	-$20.4M	$28.0M	$407.6M
Earning-Asset Yield	5.75%
Interest Revenue?Equals Deposits Deployed as Earning Assets of $400.0M multiplied by Earning-Asset Yield of 5.75%.	$23.0M	-$1.2M	$1.6M	$23.4M
Funding Cost	1.98%
Interest Expense?Equals Deposits of $500.0M multiplied by Funding Cost of 1.98%.	-$9.9M	$505K	-$693K	-$10.1M
Net Interest Income?Equals Expense of $9.9M subtracted from Interest Revenue of $23.0M. Note that this tool does not calculate Net Interest Margin (NIM). NIM is an institution-wide metric based on net interest income and average earning assets. This tool models only the deposits-funded portion of earning assets and related revenue/expense, not the full institution balance sheet.	$13.1M	-$668K	$917K	$13.3M
Noninterest Income Yield	0.82%
Noninterest Income?Equals Deposits of $500.0M multiplied by Noninterest Income Yield of 0.82%.	$4.1M	-$209K	$287K	$4.2M
Net Operating Revenue (NOR)?Equals Net Interest Income of $13.1M plus Noninterest Income of $4.1M.	$17.2M	-$877K	$1.2M	$17.5M

Methodology

This tool applies benchmark metrics to your bank's total deposits and customer flow assumptions. All figures are annualized and assume total deposit economics and acquisition/attrition rates remain constant over the projection period. Note that this is a directional operating-revenue model, not a GAAP forecast. Benchmarks reference FDIC Quarterly Banking Profile, Q4 2025. Inputs and scenario settings persist locally in this browser.

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