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The efficiency ratio workbook.
Four numbers in, one estimate of the staff time AI could free. No email required.
Calculator
Enter your numbers.
Estimated annual value recaptured
$357,572
Illustrative estimate from your inputs. Math: FTE × weekly hours × loaded hourly cost × 50 working weeks. See the assumptions.
CFO note: this is recaptured labor capacity, not guaranteed savings or a projected efficiency-ratio change. The financial result depends on whether those hours are eliminated, redeployed, or converted into measurable throughput.
Discuss your numberWhere each number comes from
Two minutes with your CFO.
- 01Full-time employees
- Your latest Call Report or HR system. Branch and back office.
- 02Loaded cost per FTE
- Salary plus benefits, taxes and overhead. The default is a placeholder; use your CFO’s number.
- 03Hours per week, low
- Repeatable, low-judgment work AI could absorb. Start conservative.
- 04Hours per week, high
- Your ceiling: the number you would defend to your board.
How to read it
What the number is, and isn’t.
- It isStaff time, in dollars.FTE × weekly hours × hourly cost × 50 weeks.
- It isn’tAn efficiency-ratio change.The ratio moves only when freed hours are redeployed or cut.
- It isn’tGuaranteed.It assumes you build and adopt the tools within a year.
- It isYours.Every input is your own number.
Bring your number to an Executive Briefing.
Thirty minutes. We pressure-test your inputs and name the three departments most likely to free the hours.
Not ready to talk yet? See team training options or take the free readiness assessment.