Earn More & Grow Faster

Our average repeat client enjoys a 15 bp stronger ROA and grows faster as well!


Kohl Analytics Group provides services to help Financial Institutions maximize value. Our assessments analyze loan and deposit product profitability at a deep operational level enabling management to make strategic decisions on where to focus efforts to strengthen the organization.

How leading financial institutions use our information to improve performance

  • See exactly how money is being spent on loans and deposits
  • Identify by activity where you are strong or weak versus peers
  • Determine which products are profitable (or not) and WHY!
  • Validate the quality of existing profitability solutions
  • Evaluate the changes in Balance Sheet mix on ROA
  • Enhance current profitability and planning systems with drivers tied to benchmarks
  • Forecast staffing needs and cost based on projected product volumes
  • Determine ROI on proposed marketing promotions
  • Make marketing decisions to promote profitable products

Our Services

Full Activity Based Assessment

Our most comprehensive assessment uses our Employee Cost Assessment customized to your institution with your detailed transaction data to provide accurate information on your loan and deposit contributions. Employee costs are key as they are often half of all costs. If you don't know where employees are spending their time you can't understand what it costs to deliver your products.

Our Employee Cost Assessment is also available as a stand alone service.

Snapshot Assessment

A fast, "mini" service that determines product profitability based on a combination of your financial data and standard cost information from recently completed Full Assessments in our database. It is excellent for companies which want to start small and grow into the more customized and detailed Full Assessment

Our clients have also used this Assessment as an audit to their internal profitability system.

Funds Transfer Pricing

Our FTP service is a detailed instrument-by-instrument analysis with multiple FTP methodologies depending on the characteristics of the loan or deposit. Our service costs a fraction of purchasing commercial software and hiring expensive analysts.

(Stand-Alone or Complimentary Solution)

Earning Enhancement Model

The EEM facilitates the development and testing of product related strategies such as evaluation of marketing proposals and development of new products using your numbers. This tool also allows you to quickly update important profitability information between Assessments.

(Optional with Full Assessment)


11312 East Beryl Ave

Scottsdale, AZ 85259

(602-793-3534)