The Most Valuable Loan Community Banks Don't Make:

The Hidden Value of Consumer Lending

in estimated consumer loan demand from small business owners over the next two years. Without a competitive consumer offering, that demand creates an opening for other institutions.

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Cornerstone makes the case for rethinking consumer lending. Teslar’s Consumer LOS helps community banks respond with faster approvals, streamlined processes, automated decisioning, and a more connected origination experience.

The Opportunity Is Already There. Your Process Has to Keep Up.

median ROE for banks with the highest consumer lending mix, compared with 10.5% for those with the lowest. The comparison suggests that loan-level economics may not tell the full story.

of business owners would consider their primary business bank for personal borrowing if it offered competitive consumer loan products. The interest is there, but the broader relationship remains vulnerable when personal borrowing goes elsewhere.