Bank of Charles Town

Making quick, data-driven decisions is crucial for any community bank that wants to increase its profitability and efficiency. Still, too many struggle with delayed reporting, siloed data, and a reactive approach to decision-making. These challenges not only slow down operations, but also limit opportunities for growth.

KlariVis client Bank of Charles Town (BCT) has proven how real-time access to data can completely transform bank performance and culture. Last fall, the bank saw a 50-basis point increase on commercial weighted average loan yields, optimized pricing decisions, increased margin accountability across its executive leadership team, and created a holistic deposit management strategy.

The reason? The bank has access to actionable insights every single day, empowering executives to coach their teams on incremental changes in the moment rather than waiting weeks after month-end to figure out what they should have done.

This case study highlights the outcomes and tangible returns BCT achieved through investing in their data analytics strategy by partnering with KlariVis.

Outcome #1: Make Data-Driven Adjustments in Real-Time

Profitability is a core objective for every bank, and the ability to increase loan yields can drive significant financial impact. Traditionally, banks have had to rely on delayed reports to make key pricing and performance decisions — often missing out on timely opportunities. KlariVis’ real-time data insights provide the complete picture needed to make strategic decisions that enhance profitability.

Case Study Insight:

BCT, an approximately $896 million institution serving markets across West Virginia, Virginia, and Maryland, has seen dramatic improvements in performance by leveraging KlariVis to view the entire customer relationship instead of one-off transactions. With this comprehensive view, they’ve shifted their pricing strategy to focus on relationship-based decisions rather than transactional ones, allowing them to optimize loan pricing based on the overall value of the customer relationship. This shift led to a 50-basis point increase in commercial weighted average loan yields.

But the key to their success doesn’t stop there. Daily access to real-time data through KlariVis helps executives coach their teams on the incremental adjustments needed to drive profitability. Instead of waiting weeks for month-end reports and then reacting to what should have been done, they are able to act immediately — fine-tuning loan structures, pricing models, and customer strategies based on hyper-current conditions.

“If we were to solely rely on our core system, we’d be waiting for one person to pull reports and distribute them across the organization,” said Alice Frazier, President & CEO. “KlariVis shows us real-time trends… That visibility has transformed how we price and coach.”

Outcome #2: Achieving Budget Without Volume Dependency

For many banks, achieving budget goals often feels like a race to increase loan or deposit volumes. While volume growth is important, it can be risky to rely solely on increasing numbers to meet financial targets. Real efficiency comes from making smarter, data-driven decisions that optimize existing resources and drive profitability without being dependent on volume alone.

Case Study Insight:

BCT has successfully shifted away from the need to chase volume to hit their budget. By using KlariVis to monitor performance metrics in real time, they have gained the ability to make proactive adjustments to pricing, customer segmentation, and resource allocation on a daily basis. As a result, they are on track to achieve their budget without relying on volume growth. This newfound efficiency allows them to focus on improving the quality of their business rather than just increasing quantity.

Because of the real-time insights into loan yields, deposit growth, and profitability metrics, the bank can quickly identify which products and customer segments are driving the most value. Rather than pushing for more volume across the board, they’re able to concentrate efforts on higher-value relationships and transactions, ensuring that each move they make contributes meaningfully to their bottom line.

Outcome #3: Growth in Strategic Deposit Management

Managing deposits requires a deep understanding of customer behavior and the ability to act on opportunities as they arise. Real-time data analytics provides banks with the visibility needed to develop and execute a strategic deposit management plan.

Case Study Insight:

KlariVis proved invaluable in helping manage BCT’s deposit portfolio, specifically during recent periods of interest rate volatility. The platform’s real-time insights into deposit composition and costs allowed for more agile and strategic pricing decisions from executives all the way down to tellers.

The bank used KlariVis to identify tens of millions in deposits that were at risk due to competitive pressures. This insight led to BCT prioritizing a relationship pricing strategy, helping retain valuable customers and deposits without always matching the highest rates in the market. Bankers could access a 360˚ view of each customer — if they had a wealth relationship with the bank, a trust, mortgages — and from there determine if those were deposits worth paying for.

“We used to think we had to offer one blanket rate,” said Frazier. “But by analyzing behavior throughout the month, we saw we could tailor pricing based on relationship value — and that’s changed everything.”

KlariVis gives the bank a 360° view of each client, helping them decide when paying a premium makes sense — and when it doesn’t. Frazier added, “Our branch managers can now see, in real time, the impact of decisions they make. That’s been a huge driver in helping us coach smarter and react faster.”

Outcome #4: Real-Time Employee Coaching

In banking, performance improvement is often a slow process. But with real-time data, bank leadership can coach their internal teams proactively, providing immediate feedback and guidance that drives continuous improvement. This shift from delayed insights to real-time employee coaching is essential for cultivating a high-performing, agile team and bank culture.

Case Study Insight:

BCT has transformed their team management by leveraging KlariVis to provide real-time performance data. This allows them to offer immediate, data-driven coaching that impacts results in the moment.

For example, BCT noticed that a loan was booked at a sub-optimal rate compared to other loans in the portfolio. With KlariVis, they were not only able to catch this in real time but also had the context to explain why the rate was below expectations. Whether it was due to the strength (or lack) of the customer relationship, the risk profile, or other factors, the data provided clarity. This allowed leadership to coach the loan officer on how to make appropriate adjustments, both for that particular loan and future ones.

By having access to the same real-time data, the entire team is lockstep, making internal communication much easier. The loan officer could see exactly why the rate was off and understand how to correct it moving forward. This type of immediate feedback loop has been instrumental in improving loan quality, optimizing pricing decisions, and ultimately driving better financial performance for the bank.

Raymond Goodrich, Chief Lending Officer at Bank of Charles Town, on coaching.

Outcome #5: Speed Drives Results

In today’s fast-paced banking environment, the ability to act quickly on data is critical. Waiting weeks for reports means banks are left reacting to events after they’ve happened, missing valuable opportunities to drive growth or mitigate risk. With real-time data, banks gain a faster time to insight, empowering them to seize opportunities and correct issues before they escalate. Speed isn’t just a luxury — it’s a competitive advantage.

Case Study Insight:

For BCT, the ability to access real-time data through KlariVis has dramatically reduced the time it takes to go from data to insight to action. Instead of waiting for traditional month-end reports, they can now see the full scope of their performance and customer behaviors every day. This faster access to insights has enabled them to make immediate adjustments to lending strategies, pricing, and risk management, which in turn has had a direct, positive impact on profitability and efficiency.

By being able to identify trends early, whether it’s spotting an opportunity for higher loan yields or recognizing changes in customer deposit behaviors, the bank can act quickly and effectively. This speed-to-market has allowed them to stay ahead of competitors who are still relying on delayed, outdated data.

Conclusion: The Clear Return on Investing in Data Analytics

The evidence is undeniable: Investing in a data analytics platform like KlariVis delivers real, measurable ROI that can transform the way banks operate.

But it’s not just about the numbers. The ability to coach teams in real time, make smarter pricing decisions based on the full customer relationship, and react to market conditions immediately instead of weeks too late — these advantages create a competitive edge that keeps banks ahead of the curve.

An enterprise data analytics platform isn’t just a one-time benefit. It’s a continuous journey of data-driven growth, where each decision made with real-time insights leads to better outcomes and stronger financial performance. The return on investing in data analytics isn’t just about short-term gains; it’s about long-term success and sustainability in an increasingly competitive financial industry.

Stop waiting for perfect data, relying on outdated insights, and wasting bank resources when you can leverage the power of real-time analytics to unlock your bank’s full potential now. The results are waiting — are you ready to seize them?