Todd Tallman

Chief Financial Officer
Southbridge Savings Bank
Southbridge, MA

“We worked with Ceto and Associates on a Market View project. We were very pleased with the comprehensive scope of the engagement. They evaluated all of our products, services, rates, and fees on both sides of our balance sheet, and performed an extensive review of our local market and competition. Based on their analysis, they were able to make some prudent recommendations for our product portfolio. We realized a significant increase in revenues from the project, and would recommend Ceto and Associates’ Market View to other financial institutions.”

Larry Heilbronner

Senior Vice President & Chief Financial Officer
Canandaigua National Bank & Trust Company
Canandaigua, NY

“We were very pleased with Ceto and Associates’ Market View. The project was completely risk-free to our organization, since our payments to Ceto and Associates were based on actual benefits. The scope of the program was extensive and included a review of hundreds of different areas, with the objective of maximizing profitability within our product mix. Their staff was highly professional and easy to work with. Ceto and Associates also helped with the implementation and monitoring of all management approved recommendations. We realized a significant increase in revenues, and so, the engagement was a big success!”

Richard Watson

Executive Vice President
The Bank of Edwardsville
Edwardsville, IL

“We have conducted similar reviews of our products in the past, but they were not as extensive and thorough as the Market View project we conducted with Ceto and Associates.  Their in-depth review not only yielded significant new revenue ideas but also spurred insightful conversation among our management team regarding many areas of our organization, such as revising and enhancing our product offerings to become more suited to our marketplace.  We approached this review with the mentality that no recommendations from Ceto and Associates would be “off the table” for discussion.  As a result, the recommendations that we ultimately approved and implemented fit the right balance between both the philosophical and financial objectives of our organization.  While similar reviews are possible with internal resources, we recommend Ceto and Associates because of their insight and the expertise that they brought to the table, in addition to the risk-free nature of the engagement.”

Bob Kuehl

Chief Financial Officer
Royal Bank America
Narberth, PA

“We recently completed a Market View project with Ceto and Associates and were very impressed with not only the results, but the entire process that yielded those results.  Their consultants were on-site for just a few days for the diagnostic and were very flexible and accommodating with very little disruption to our staff.  Our back office team found them very easy to work.  They delivered their findings in a detailed, yet concise, presentation and report that clearly conveyed to our management team the areas where we could become more competitive in our specific markets.  We feel comfortable that the decisions we made based upon Ceto and Associates’ recommendations were appropriate for both our organization and our customers.  This has been one of the more cost effective projects that we have implemented at Royal Bank.”

“We were very pleased with Ceto and Associates’ Clear Point.  The scope of the assessment included a benchmarking analysis, management process scorecard and enterprise risk management scorecard, with an emphasis on organizational structure, operations, process improvement, risk management, staffing and other related non-interest expenses.  We were delighted with the experience of their consultants and overall professionalism and approach throughout the project.  They were on-site for just a few days for the diagnostic, and thus, the impact to our staff for data gathering and interviews was minimal.  They provided a comprehensive report of findings and prudent recommendations for our organization, taking into account our culture and objectives; and they handled sensitive matters in a very professional manner.  We recognized several benefits from the engagement and would recommend other financial institutions go through this exercise with Ceto and Associates.”

Rick Varnier

Vice President & Chief Operating Officer
Bank of Lancaster
Kilmarnock, VA

“We had a great experience with Ceto and Associates during the Market View engagement.  We were impressed with their program, which included a thorough review of product characteristics and pricing relative to our competitors and market conditions.  Moreover, they considered the culture and strategy of our organization when performing the analysis and making any recommendations.  The information was very informative, and the quality of their work was outstanding.  We recognized some rather substantial benefits from the engagement.  Overall, it was just a great exercise for us and we would urge other financial institutions that are interested in increasing revenue to contact Ceto and Associates about their program.”

Guy Labbe

Executive Vice President & Chief Financial Officer
St. Martin Bank & Trust Company
St. Martinsville, LA

“We were very happy with the results of Ceto and Associates’ Market View solution. The engagement was risk-free from the outset, and we realized the initial benefits within a short time after beginning the project. We were very delighted with their experienced team of consultants, professionalism and methodology throughout the process. They introduced many new ideas and recommendations that were insightful and meaningful for our organization. We implemented and monitored several of the recommendations with the guidance of Ceto and Associates. If we had known the benefits would have been as significant, we would have moved on this much more quickly. Suffice to say, we recognized an increase in revenue and the project was a success.”

Brian Wingard

Chief Financial Officer
CNB Bank
Clearfield, PA

“We were very pleased with the results of the Market View engagement that we completed with the guidance of the team at Ceto and Associates.  They completed a full review of our products and services relative to our local market.  They were onsite for a just a few short days throughout the entire project and were professional, courteous and accommodating to our staff’s schedules during the interviews and data gathering portion.  We felt no pressure to implement any recommendations that we didn’t think were right for our organization and customers.  Once we approved the recommendations that were right for us, Ceto and Associates was instrumental in assisting with the process of implementing and monitoring the recommendations to assure that we met the benefits that they had projected.”

Michele Kyle

Executive Vice President and Chief Operating Officer
Fidelity Bank
Wichita, KS

“The MARKET VIEW engagement with Ceto and Associates put us in a position to be more competitive in our markets, while also maximizing revenue in some specific product areas that we thought might already be sufficient through our own internal efforts.  In addition, they brought to our attention other ideas and opportunities to enhance product profitability with their comprehensive local market research and competitor analysis.  The amount of work that went into this process and the amount of information that Ceto and Associates provided about our markets, competitors, and products has been invaluable and something that would have been difficult to accomplish on our own considering our limited time and internal resources.  I would strongly encourage other banks to consider Ceto and Associates for this type of engagement.”

BJ North

Executive Vice President
Plumas Bank
Quincy, CA

“We were optimistic going into our Market View venture with Ceto and Associates and they certainly delivered.  With so many challenges confronting the banking industry today and with the markets changing rapidly, employing Ceto and Associates’ expertise was very advantageous, as it allowed our management team to quickly and efficiently implement the changes required to compete in our markets, while also taking advantage of the local pricing environment.  Their team was great to work with and they were very proficient with their short time onsite.  Our personnel were not bogged down by this project and we were very satisfied with the rather substantial increase in income.”

Dennis Nisler

Chief Financial Officer
Anchor Bank
St. Paul, MN

“Ceto and Associates recently engaged our organization with their Market View program.  We were very impressed with the depth of their research into our local markets and competitors.  They also demonstrated a very thorough understanding of our product and services and our philosophical approach with our business and customers.   The review was exhaustive and must have included several hundred areas throughout all of our product lines.  They took into account the appropriate balance that is necessary to service the needs of our customers, while also identifying significant opportunities to increase overall revenue.  The recommendations were very straightforward and relatively easy to implement.  We are very happy with our relationship and partnership with Ceto and Associates.”

Carter Peters

Executive Vice President and Chief Financial Officer
Guaranty Bank
Springfield, MO

“We worked very closely with Ceto and Associates on a recent Revenue Enhancement engagement and we have been very pleased with the outcomes.  The engagement was 100% risk free and allowed us to implement only those recommendations and ideas that we felt were in the best interest of our organization and our customer base.  The final report that we received was very comprehensive and included all of the local market research and competitive intelligence so that we could better interpret the evidence and business case behind each recommendation designed for our products and services.   After a relatively painless implementation, we quickly started to realize a significant revenue boost through multiple product lines.”

Chick Pinto

Executive Vice President and Chief Marketing Officer
Cape Bank
Cape May Court House, NJ

“The professionalism, expertise, and perspective that Ceto and Associates incorporated into our recent Market View Engagement with them was a great complement to our internal efforts to maximize revenue and profitability for our products and services. The local market study, as well as the depth of their review of several hundred areas, uncovered a tremendous amount of critical data and intelligence about our markets and competitors that would have been very difficult to complete on our own in acceptable time frame. With the assistance of Ceto, we were able to implement the recommendations that our executive management team approved with relative ease. We also tracked actual results together with custom built monitoring reports provided by Ceto and realized the additional revenue quickly. Without question, this has been one of the best engagements that we have completed with a consulting firm in some time .”

Lee Dixon

Chief Operating and Chief Risk Officer
The Palmetto Bank
Laurens, SC

“We had a very good experience with Ceto during the Market View engagement. They conducted a comprehensive survey of fees and charges in our local market and suggested numerous ways that we might increase revenue while remaining fair to our customers. There was never any pressure to adopt all their recommendations and we selected those items which we thought appropriate to our market and customers. And most importantly, we achieved significantly improved non – interest income as a result of implementing their recommendations. I would suggest that anyone looking to improve their bottom line talk to Ceto and Associates .”

Michele Schuh

Senior Vice President and Chief Financial Officer
First National Bank Alaska
Anchorage, AK

“We engaged Ceto and Associates for their Market View program and were extremely satisfied with the execution and results of the program. Their proposition is risk free and the revenue sharing arrangement was very attractive to our executive team. Ceto was there for us every step of the way with a professional and efficient process. They assisted in the implementation and monitoring phases to ensure we realized the new revenues they projected in the original report of findings. We are happy we chose Ceto as the vendor and partner for our revenue enhancement and services pricing initiatives. Start to finish, it was a very successful experience and would certainly recommend Ceto to other financial institutions.”

Mark Hollar

Senior Vice President and Chief Financial Officer
Farmers & Merchants Trust
Chambersburg, PA

“Considering a consulting firm to assist with product pricing and profitability is a delicate process, but Ceto and Associates made the decision easy and we have been very happy with the partnership on the recent Market View initiative. They were with us every step of the way throughout the project, providing invaluable guidance and ensuring that we maximized every recommendation and opportunity. They were very professional and their expertise in the banking industry is very evident. The engagement has been a big success. We have really enjoyed working with Ceto and the team and would definitely recommend them to other banks that are looking for ways to maximize product profitability and revenue. ”