NCOMMUNITY 案例研究：资产规模达 160 亿美元的 First Financial Bank 利用 Ncommunity 减轻 CRA 数据分析负担
公司规模
1,000+
地区
- America
国家
- United States
产品
- Ncommunity
技术栈
- Web-based analytics software
实施规模
- Enterprise-wide Deployment
影响指标
- Customer Satisfaction
- Productivity Improvements
技术
- 分析与建模 - 预测分析
- 分析与建模 - 实时分析
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 质量预测分析
- 监管合规监控
服务
- 数据科学服务
关于客户
第一金融银行是一家位于俄亥俄州辛辛那提的社区银行。该银行自 2013 年以来一直是 Ncommunity 的客户，主要接受美联储的审查。在过去几年中，第一金融银行的资产规模翻了一番，达到 160 亿美元。随着银行向新的地理市场扩张，它的任务是分析人口统计和人口普查信息并了解其服务的新社区。该银行需要了解将这些新市场纳入其市场对其整体社区再投资法案 (CRA) 绩效的影响。它需要了解其绩效与同行相比如何，是否服务于所有评估领域，以及人员配备是否足以满足其社区的需求。该银行是一家大型机构，拥有 150 多家分支机构和 2,000 名员工。
挑战
第一金融银行是一家成长中的社区银行，拥有 160 亿美元的资产，在扩张过程中，它面临着理解社区再投资法案 (CRA) 对新市场影响的挑战。该银行必须分析人口统计和人口普查信息，并了解其服务的新社区。它还必须了解将这些新市场纳入其市场对其整体 CRA 绩效的影响。该银行需要将其绩效与同行进行比较，确保其服务于所有评估领域，并确定其人员配备是否足以满足社区的需求。对于一家拥有 150 多家分支机构和 2,000 名员工的大型机构来说，这是一项艰巨的任务。数据来自银行的各个业务线，包括抵押贷款、商业、消费者、农业和房地产贷款，所有这些数据都必须经过审查。该银行还在应对不断变化的监管环境，满足新的要求和期望。
解决方案
First Financial Bank 寻求一种解决方案，帮助其审查来自其庞大业务范围内的信息，提供数据驱动的见解，揭示银行在社区再投资法案 (CRA) 评估区域（包括低收入到中等收入人口普查区）的服务情况，同时发现新的机会。该银行在 Ncommunity 中找到了所需的东西，这是一款安全的基于 Web 的分析软件，可帮助银行衡量和管理 CRA 绩效，以确保 CRA 合规性。Ncommunity 帮助 First Financial 监控 CRA 合规性、协助考试准备、减轻报告负担并获得有关营销和销售机会的见解。超过 10 个不同的用户通过他们在平台上的工作进行协调。在对银行董事会批准的评估区域进行建模后，Ncontracts 审查数据的质量，将其导入 Ncommunity 平台，并确保一切都已准备好进行分析。然后，Ncommunity 计算数字，合规分析师审查地理编码地图和分析报告以了解数据所讲述的故事并执行最后一轮质量检查。
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