● Keystone Community Bank (FDIC #24819)
Standalone Loan EP
--
Pure Credit NIM - Capital Charge
Total Relationship EP
--
Includes DDA Benefit & TM Fees
Credit Economic Capital
--
Dynamic Basel A-IRB K-Factor
Institutional EP Tier
--
Capital Arbitrage: --
Facility Terms & Underwriting Inputs
Tenor drives Treasury ALM FTP Yield Curve • Underwriter controls Risk Grade
$10.0M
3M SOFR
3Y Matched
Pricing Spreads & Ancillary Balances
Interactive Remediation Sliders
275 bps (2.75%)
Compensating Relationship Inputs
$1,500,000
$1,250 / mo
✓ Facility Clears Capital Hurdle
Surplus: +$125,080
Credit facility creates positive economic profit over cost of capital. Pricing and relationship buffers active:
1. Spread Cure
-32 bps
Pricing Concession
2. DDA Cure
+$1.50M
Active Balance
3. TM Fee Cure
$1.25k/mo
Active TM Stream
Relationship Economic Profit Waterfall
| Gross Interest Income | -- |
| Amortized Origination & Fees | -- |
| (-) Cost of Funds (FTP Cost) | -- |
| Net Credit Margin (NIM) | -- |
| (+) DDA Benefit (3.50% Net Spread) | -- |
| (+) Treasury Management Fees | -- |
| (-) Loan Servicing & Overhead | -- |
| (-) CECL / A-IRB Expected Loss (EL) | -- |
| Pre-tax Economic Income | -- |
| (-) Income Taxes (25% Statutory) | -- |
| Net Operating Profit After Tax (NOPAT) | -- |
| (-) Capital Charge (9% Hurdle × EC) | -- |
| Net Relationship EP | -- |