Actionable Deposit Analytics

Lumio^® Deposit Insight

Empower your executive and branch teams with drill-down deposit analytics, so you can spot growth opportunities, manage risk, and optimize liquidity in seconds.

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Configurable Dashboards

C-suite, deposit ops, branch managers, and other community banks utilize Lumio Deposit Insight to inform strategic and operational deposit-related decisions through personalized dashboards, drill-down analytics, and actionable insights.

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Summary Dashboard

Get a complete and comprehensive view of your bank’s vital data. Instantly grasp key performance metrics, trends, and actionable insights with data visualization and dynamic dashboards.

Core Deposit Analysis

Uncover patterns, identify growth opportunities, and optimize your core deposit strategy. Make data- driven decisions for a stronger, more resilient financial core.

NSF Analysis

Analyze non-sufficient funds occurrences and gain valuable insights into your bank’s NSF fees and waivers.

Balance Change Analysis

Track fluctuations, highlight irregularities, and get real-time insights into account balances. Stay ahead of financial shifts and make informed decisions.

Deposit Movement

Visualize and analyze funds within your bank. Optimize liquidity, detect trends, and ensure your financial institution stays agile in a dynamic market.

Account Search

Seamlessly locate and retrieve account information with advanced search capabilities. Your financial insights are just a search away.

New Account Analysis

Track trends in newly opened and closed deposit accounts with flexible filters and visual insights to evaluate growth, retention, and account activity over time.

Time Deposit Analysis

Monitor and evaluate your bank’s Time Deposit portfolio with insights into balances, maturities, rates, and trends—empowering you to manage interest risk and plan for upcoming cash flow needs.

More Data Insight

Drill-down into lists of accounts or
individual records, along with their
characteristics, to inform specific
action plans:
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✓ Account Level Report
✓ Account Search Results
✓ Customer Dashboard

Deposit Insight Use Cases

With deep expertise in financial services and risk management, Lumio helps institutions modernize operations by streamlining manual processes, centralizing enterprise data, and aggregating hundreds of KRIs for a holistic, risk-informed view of the organization.

Summary Dashboard

Designed for the CEO, CFO, and ALCO Committee, offering a consolidated view of total deposit performance. Executives can monitor key metrics, detect overall deposit trends, and quickly assess growth or stress areas across branches and products - supporting both strategic planning and board-level reporting.

Core Deposit Analysis

Built for the Treasurer, CFO, and ALCO Committee, focusing exclusively on core deposits. Users can evaluate the stability and composition of the deposit base, monitor trends across branches and product types, and identify potential liquidity concerns to inform funding strategy and interest rate sensitivity analysis.

New Account Analysis

Geared toward the Chief Retail Officer, Chief Marketing Officer, and Branch Managers, providing visibility into account openings by product, channel, and region. Users can track acquisition performance, assess the success of promotional campaigns, and uncover opportunities to enhance onboarding or drive cross-sell.

Time Deposit Analysis

Ideal for the Treasurer, CFO, and Retail Leadership, enabling proactive management of maturing CDs. The dashboard supports planning for renewal outreach, liquidity forecasting, and pricing adjustments, helping retain balances and control interest expense across time horizons.

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NSF Analysis

Designed for Branch Managers, Operations Leaders, and Commercial Lenders, delivering detailed visibility into overdrawn accounts. Users can identify customers with chronic overdrafts, assess potential credit or servicing risk, and intervene early, particularly for loan-customers whose NSFs may indicate emerging cash flow issues.

Balance Change Analysis

Executives, Risk Officers, and Treasury can use this dashboard to surface significant shifts in deposit balances across time periods. Users can instantly view day-over-day, month-to-date, and year-to-date changes, filter by account type, and isolate trends, enabling timely responses to retention risks or liquidity impacts.

Deposit Movement

Designed for Branch Managers, Commercial Lenders, and Wealth Advisors, this dashboard highlights significant account-level balance changes. Users can quickly identify large withdrawals that may indicate attrition risk, or large deposits that may warrant outreach or Wealth Management referral, all with customer-level drill-through capability.

Account Search

Built for Marketing Teams, Branch Staff, and Deposit Operations, enabling flexible, self-serve account list creation. Users can segment customers using over 30 criteria, speeding campaign targeting, relationship reviews, and retention initiatives, reducing reliance on custom IT reports.

Explore Other Lumio Insight Apps

Deposit Insight

Understanding the nuances of your institution's deposit portfolio is essential to giving executives, managers, and front-line staff the information required to manage the bank and provide superior customer service.
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✓ Core Deposit Analysis
✓ New Account Analysis
✓ NSF Analysis
✓ Balance Change Analysis
✓ Deposit Movement
✓ Account Search

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Loan Insight

So, you’re swimming in an abundance of data…now what? Our loan insight takes core and other source data and transforms them into detailed visuals that reveal trends, outliers, and comparative information to help your bank manage essential business.
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✓ Portfolio Dashboard
✓ Delinquency Dashboard
✓ Collections Effectiveness
✓ Product Level Report

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Customer Insight

Our customer insight approach is designed to give banks visibility into the complete customer relationship. Using aggregate data from various touch points, banking staff are given the power to view and understand the make-up of their consumer and how to best serve them.
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✓ Segmentation Summary
✓ Avg
✓ Loans to Deposits
✓ Avg Number of Products Consumer / Commercial Customers Map
✓ Prospects Map

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Financial Insight

Gain on-demand financial data and reporting needed to make informed financial decisions. Financial insight provides your team with the tools needed to track key metrics, measure real-time performance, and identify areas for strategic growth.
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✓ Executive Dashboard
✓ Financial Ratios Dashboard
✓ Actual vs. Budget Dashboard
✓ Balance Sheet Reports
✓ Income Statement Reports

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Risk Insight

Coming soon! Achieve a holistic view of risk across all areas of your operations with comprehensive data and intuitive visualizations. Risk Insight delivers actionable information to help you stay ahead of potential threats, optimize your risk strategies, and make informed decisions that drive business resilience.
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✓ Holistic Risk Summary Dashboard
✓ Risk-Rated to Total Attribute Trends
✓ Risk Improvement Activities
✓ Key Risk Indicator Analysis
✓ KPI Performance Trends

Learn more