Five-year projections, dashboard, P&L, cash flow, balance sheet, and three scenarios - pre-built in Excel and Google Sheets. Built by ex-CFOs. Delivered as an instant download.
Trusted by 25,000+ startup founders, investors and CPAs
Clearer Investor Expectations
Alyssa Grant, NY
This template showed me exactly which outputs and sections I needed, so I stopped guessing what investors expected. It helped me prepare a cleaner discussion and book a meeting sooner.
No More Blank Spreadsheet Stress
Marcus Bell, TX
I was stuck staring at an empty file until I opened this model. The layout gave me a clear starting point, and I had the first draft built in under an hour.
Hours Saved on Forecasting
Priya Shah, IL
Building the bank model by hand would’ve taken days, but this template had the core financials ready to go. I saved about 10 hours and spent that time reviewing assumptions instead.
MODEL OVERVIEW
What Is the Financial Model of Community Bank?
The Community financial model of the Bank is a five-year forecasting work for bank spreads, interest-free income, monthly and annual reports and management reports.
Use the workbook to plan how profit and asset balance sheets, asset profits, funding balances, funding rates and fee income shape the community bank’s forecast.
Editable operational assumptions flow through monthly calculations into profit and loss accounts, cash flows, balance sheets, scenarios, navigation desks and other product reports.
Built for modeling banking spreadThe balance of assets and principal liabilities leads to interest calculations; they are not treated as operating income.
COMMUNITY BANK REVENUE ENGINE
How Does the Community Bank Generate Revenue in This Model?
The model calculates monthly interest income on average assets and profit, subtracts the cost of the percentage of financing and adds the assigned non-interest income.
01
Setting of Fair Value Assets
Average balances and annual profits on mortgages, loans to enterprises, consumer credit, credit cards, securities and other commercial assets shall be reported.
02
Income from Interest
It calculates the monthly interest income for each asset category as an average balance × annual profit ÷ twelve and then sums up the categories.
03
Cost of Financing
Application of annual funding rates to medium-sized deposits and other financing balances, breakdown by twelve and sum of monthly interest costs.
04
Add Other Revenue
Subtracting the total interest costs from the total interest income and adding the monthly assigned non-interest income by the category of inclusion.
05
Operating Revenue
The result is the total monthly income from banking activities from net interest income plus interest-free income.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
Where Are the Community Bank Income Sets?
Assets maintain the balances of profits and assets, the income of the category, other interest-bearing assets and the assumptions on non-interest-bearing income that feed the bank’s revenue mechanism.
ASSETS
The Working Sheet of the Assets shows the categories of loans, profit and asset balances, profits and non-interest contributions.
02 / OPEX
How Was Operational Expenditure Planned?
The OPEX worksheet separates assumptions on variable costs from fixed operating costs and uses the schedule within the monthly social bank forecast.
OPEX
The OPEX worksheet displays drivers of variable costs, fixed categories, dates, periodicity and monthly outputs.
03 / SCENARIOS
What Can You Compare in Scenarios?
The Scenarios compare low, base and high interest income, net interest income, total income and EBITDA over five years.
SCENARIOS
The working sheet Scenarios compared low, basic and high paths for key revenue and profitability measures.
04 / DASHBOARD
What Does the Distribution Board Have in Common?
The table includes a set of models, scenario control, basic financial results, revenue mix, profitability, cash flow and return on investment in one view.
DASHBOARD
The table shows configuration checks, scenario results, basic finances, revenue, profitability, cash flow and return.
FIT OF PRODUCTS
Is the Community Bank Finance Model Suitable for You?
The model is a good fit for spread-based social bank planning, while significant differences in revenue logic, operational schedules or reporting structures may require custom modelling.
MODEL BY MADA READY
Good Example
You expect borrowing and other gainful assets to be on balance sheet and annual profit.
You model deposits and other sources of funding according to the balance sheet and the annual level of funding.
In the operational forecast, you need interest-free income, in addition to net interest income.
You want editable five-year statements, low/Base/High scenarios and management reporting views.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your revenue logic is not based on profits of bank assets and financing costs.
You require different categories schedules, calculation time, or balance-sheet mechanics.
You need operating modules outside the bank, pay, OPEX and the CAPEX structure.
You need reporting on another internal management or transaction structure.
The template is the starting point of planning, not a guarantee of performance.
FINANCIAL MODEL SERVICE
Do You Need a Model Built Around Your Requirements?
The Lab financial models can build or adapt a model when you need different revenue logic, operational schedules or financial reporting.
You will receive a fully edited Community Bank financial model with five-year and annual projections, scenario analysis, activity reports and management reporting.
01
Editable workbook
Spreadsheet files can be edited in Excel and used with Google sheets.
02
Five-year forecast
The model shall include detailed monthly and annual forecasts throughout the five-year planning period.
03
Analysis of scenarios
Low, baseline and high cases represent an alternative path to major financial results.
04
Financial statements
The results include a statement of revenue, cash flow, balance sheet, dashboard, summary and indicators.
BEFORE BUYING IMPORTANT INFORMATION
Community Bank Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How does the model calculate the income from the bank?
It shall calculate monthly interest income on average balances and profit on the profit and loss account, subtract interest financing costs and add assigned non-interest income.
02
What are the assumptions I can change?
You can change the balances of assets, revenues from categories, financing balances, funding rates, interest-free income, allocation schedule and assumptions of the tax year.
03
What do Low, Base and High compare?
The Scenarios compared alternative paths for interest income, net interest income, total income and EBITDA in the five-year forecast.
04
What financial results are taken into account?
The workbook contains a statement of income, a statement of cash flows, a balance sheet, a navigational desk, scenarios, summary, factors, valuation, break-even, ROIC, charts and KPIs.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The Financial Models Laboratory can build or adjust the model for different revenue logic, operational schedules or reporting requirements.
06
Is the workbook a forecast or a guarantee?
This is a planned forecast based on assumptions for the edition, not a guarantee of financial results or business results.
What Does the Community Bank Financial Model Contain?
You get a pre-built financial model for community banking that includes a dynamic dashboard, 5-year financial statements, detailed cost and revenue projections, and a dedicated assumptions tab.
All-in-one Dashboard
Core inputs and core outputs
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Choosing a selection results in a full page refresh.
ASSETS
OPEX
SCENARIOS
DASHBOARD
