Platform Features

Every Feature Your Bank Needs.
Nothing You Don't.

Six integrated modules purpose-built for community bank financial management — from first budget entry to final board report.

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Module 01 — Budgeting & Planning

Build your budget the way bankers think.

Structured around your actual chart of accounts, product classes, and entity hierarchy. Budget by branch, consolidate automatically, and version your scenarios without limits.

  • Account-level budget entry with IS and balance sheet tabs
  • Multi-entity support with auto-consolidated views
  • Unlimited scenario versions — compare budget alternatives side by side
  • Auto-balancing balance sheet with corporate plug accounts
  • Tax calculation engine built in
  • Branch-level balancing wizard for multi-location banks
  • Import existing budgets from Excel or CSV
See it in a Demo →
Budget Entry — Income Statement
Interest Income
Loan Interest Income
Investment Securities
Federal Funds Sold
Interest Expense
Deposit Interest
Borrowings
Non-Interest Income
Service Charges
Mortgage Banking
Net Income (Budgeted) $1,186,000
Module 02 — Actuals & Variance Reporting

Instant budget vs. actual — every period.

Import your actuals directly from your core system export and immediately see where you stand against budget. MTD and YTD variance reports with color-coded performance indicators.

  • CSV actuals import from any core banking system
  • Multi-entity import with automatic routing by entity code
  • Balance sheet and income statement actuals vs. budget reports
  • MTD and YTD variance views with favorable/unfavorable color coding
  • Drill-down from consolidated to branch level
  • Loan yield and deposit cost analytical reports
  • Export any report to PDF or Excel
See it in a Demo →
YTD Variance Report — Income Statement
AccountBudgetActualVariance
Loan Interest$3,240K$3,318K+2.4%
Investment Inc.$485K$462K-4.7%
Deposit Expense$890K$921K-3.5%
Service Charges$215K$228K+6.0%
Non-Int. Expense$2,140K$2,098K+2.0%
Net Income $1,186K $1,237K +4.3%
Module 03 — FFIEC Peer Benchmarking

Know where you stand against your peers.

Pull FFIEC UBPR data for custom peer groups and instantly see how your bank ranks on the metrics that matter most to regulators and your board.

  • Direct FFIEC API integration — always current data
  • Build custom peer groups by asset size, state, or charter type
  • Color-coded percentile rankings on 25+ key ratios
  • NIM, efficiency ratio, cost of funds, credit quality, capital ratios
  • Correct lower-is-better vs. higher-is-better grading logic
  • Export peer comparison reports to color PDF
See it in a Demo →
FFIEC Peer Comparison — Your Bank vs. Peer Group
Net Interest Margin
3.42%Top 25%
Efficiency Ratio
61.4%Median
Cost of Funds
1.18%Top 20%
NPL Ratio
0.48%Top 30%
Tier 1 Capital Ratio
12.8%Top 30%
Peer Group: 42 community banks · $250M–$500M assets · Mountain West
Module 04 — Performance Scorecard

Track every KPI. Every month. Automatically.

Build a weighted scorecard from a library of 24 pre-built bank KPIs — or add your own custom metrics. Watch performance trend month by month as actuals come in.

  • 24-metric KPI library — GL-derived and manual entry
  • Custom metrics for any bank-specific measure
  • Weighted composite scoring with gate metrics
  • Monthly snapshot tracking with frozen historical data
  • Trend charts showing composite score trajectory
  • Payout projection vs. target bonus pool visualization
See it in a Demo →
Performance Scorecard — YTD
94.2%
Composite Score · June 2026
MetricBudgetActualAtt.Score
Net Income$1.19M$1.24M104%100%
Loan Growth$210M$214M102%100%
Cost of Funds1.21%1.18%103%100%
Efficiency Ratio60.0%61.4%97%81%
Module 05 — Incentive Compensation

Tie pay to performance. Document everything.

Design incentive plans tied directly to your financial KPIs. Track attainment monthly, project payouts, and generate defensible board-ready compensation documentation at year end.

  • Group-based plan design — no individual PII stored
  • Weighted KPIs with gate metrics and payout curves
  • Monthly snapshot tracking as actuals come in
  • Projected payout vs. target bonus pool by group
  • Finalization with approval workflow and audit trail
  • Board-ready compensation report with full documentation
  • Export to PDF or CSV
See it in a Demo →
Incentive Compensation — Payout Groups
GroupProjected Payout
C-Suite / Executive $94,500
Target: $100,00094% attainment
Senior Lenders $56,700
Target: $60,00094% attainment
Tier 1 Officers $34,020
Target: $40,00085% attainment
Total Projected $185,220 / $200,000 target
Module 06 — Board & Executive Reporting

Board-ready reports. No assembly required.

Generate polished, print-ready board package reports directly from your live data. Every number is sourced from the platform — no manual reformatting, no copy-paste errors.

  • One-click board report generation from live data
  • Incentive compensation board report with full documentation
  • Performance scorecard executive summary
  • FFIEC peer comparison report with color rankings
  • Budget vs. actual financial statements
  • Export to color PDF — print-ready format
  • Consistent professional layout every time
See it in a Demo →
Board Report — Incentive Compensation Summary
2026 Incentive Plan — Final Summary
94.2%
Composite
$185K
Payout
$200K
Target
Approved by Board Compensation Committee · January 15, 2027
PDF EXPORT
Print-ready
AUDIT TRAIL
Full history
LIVE DATA
Always current
Why Switch

Trilogy Banking vs. The Alternatives

Trilogy Banking Spreadsheets Generic Budgeting Tools
Built for community bank COA structure✓——
Multi-entity with intercompany eliminations✓ManualAdd-on
FFIEC peer benchmarking included✓——
Incentive compensation module✓Manual—
Board-ready report generation✓ManualLimited
Role-based access controls✓—✓
No per-seat pricing✓✓—
Version controlled budget scenarios✓Manual✓

Ready to See It in Action?

30-minute demo. We'll walk through the platform using a bank sized like yours.

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