Holding-Company Cockpit
One screen for the President β all 18 entities, with the cross-sell view no single system can produce.
Entity Leaderboard 18 entities
| Location | Type | YTD Growth | Risk |
|---|---|---|---|
| Sioux Center | Bank | +6.1% | Low |
| Orange City | Bank | +5.4% | Low |
| Sheldon | Insurance | +9.2% | Low |
| Le Mars | Bank | +3.0% | Watch |
| Rock Valley | Insurance | +4.8% | Low |
| Hospers | Bank | β1.2% | Watch |
| Alton | Insurance | +2.1% | Low |
| Sioux Falls | Insurance | +11.4% | Low |
Cross-Sell / Share of Wallet
Risk Heatmap
Watch
Strong
Strong
Watch
Strong
Stable
Alert
Yes
Needs Your Attention Auto-surfaced
Perspective Insurance β Management View
What the principal watches: retention, book profitability, and the contingency bonus.
Written Premium by Line
Loss Ratio by Carrier Contingency $
| Carrier | Premium | Loss Ratio | Bonus Tier |
|---|---|---|---|
| Nationwide | $28.1M | 61% | On track |
| Acuity | $9.4M | 58% | On track |
| Grinnell Mutual | $6.2M | 72% | At risk |
| Travelers | $4.5M | 66% | Watch |
Producer / Branch Leaderboard
| Branch | New Premium | Retention | Hit % |
|---|---|---|---|
| Sioux Center | $1.21M | 93% | 41% |
| Sheldon | $0.98M | 90% | 39% |
| Le Mars | $0.74M | 92% | 36% |
| Sioux Falls | $0.69M | 88% | 44% |
| Orange City | $0.61M | 94% | 33% |
Bank-Sourced Cross-Sell Funnel
Perspective Insurance β Desk View
The working screen: live queues and deadlines a CSR/producer grinds through every morning.
Renewals β Next 30 Days (split by action)
| Insured | Line | Ξ Premium | Action |
|---|---|---|---|
| Vande Berg Farms | Farm/Crop | +14% | Remarket |
| Hawkeye Mfg LLC | Commercial | +9% | Call |
| R. Jansen | Auto+Home | +2% | Auto-renew |
| Prairie Trucking | Commercial | Non-renew | Re-place |
| M. Feenstra | Home (mono) | +1% | Round acct |
My Day β Suspense / Activities
American State Bank β Management View
Balance sheet, credit quality, and the ag concentration that defines a NW Iowa bank.
Loan Portfolio by Type Ag concentration
Ag Early-Warning Overlay PUBLIC DATA
Credit Quality
| Category | Balance | % of loans | Trend |
|---|---|---|---|
| Noncurrent loans | $23.0M | 1.76% | real |
| Net charge-offs (FY) | $4.0M | 0.31% | real |
| Total equity capital | $147.9M | 11.14% T1 | real |
| Net interest income (FY) | $36.5M | β | real |
Deposits & Liquidity
American State Bank β Desk View (Lender / Ops)
The lender and operations working queues β pipeline, exceptions, and follow-ups due now.
Borrower Watchlist PUBLIC DATA enriched
| Borrower | Exposure | Public-data flag | Action |
|---|---|---|---|
| Vande Berg Farms | $4.2M | New tax lien + commodity drop | Call |
| Prairie Trucking | $1.8M | DOT authority lapsed | Review |
| Hawkeye Mfg LLC | $2.6M | Lawsuit filed (vendor) | Monitor |
| NW Dairy Co-op | $5.1M | Clean | Annual review |
Today's Priority Follow-Ups
Market Footprint β Live Public-Records Data
Computed in real time from the same enriched parcel data as the map β recorded mortgages, deeds, liens, court. No sample numbers on this tab.
Competitive Mortgage Leaderboard Who holds the book
By City
Whitespace & Distress PUBLIC DATA
Lead Engine
Ranked prospects scored on public data β no credit report required, refreshed daily. Bank sees loan leads; insurance sees policy leads; the wall applies here too.
π¦ Bank β Loan Leads PUBLIC DATA Β· DAILY
π‘ Insurance β Policy Leads PUBLIC DATA Β· DAILY
Document Center
Upload, classify, and link documents to any party, property, loan, policy, or claim β one polymorphic store. OCR & e-sign in production; in-memory here.
Upload & link
Recent documents POLYMORPHIC
Each document attaches to a record via owner-type / owner-id, so it shows on the party, property, loan, policy, and case it relates to. Production: object storage + OCR extraction + e-signature; access-scoped & audit-logged (GLBA).
Search Β· Owner 360
Find any owner, LLC, address, or PID and see their full picture across the footprint β every property, every relationship, distress & hazard. Public-records party/property master.
Mortgage Market β HMDA
Real recorded mortgage originations & denials by lender (2024 HMDA), county by county β your market share vs. every competitor. De-identified market data (aggregate, no applicant names).
Ag Intelligence
The NW Iowa franchise: farmland, ag borrowers, and the commodity/collateral early-warning that defines an ag bank. Public-records + soil data.
Ag Early-Warning Overlay PUBLIC DATA
Ag Borrowers to Watch PUBLIC DATA
Ag Footprint by County
Cases & Claims
The service life of the relationship β banking servicing tickets + insurance claims (FNOL), party-linked with an SLA clock. Wall applies; servicing cases auto-open from monitoring signals.
π¦ Servicing cases AUTO-OPENED FROM ALERTS
π‘ Claims (FNOL)
Case detail
Connect & Data
Plug EFOS into your systems and import your own books. Public records (Aletheia) are already live; everything else connects here. π Customer / NPI data stays in your environment.
Data sources
Import your book YOUR DATA
Upload your Perspective policy book or bank customer list (CSV). EFOS matches it to parcels & parties by owner/address β nothing leaves your environment.
Add manually
Demo: connections are illustrative and imports parse in your browser only (in-memory). In production each source is an authenticated integration with its own credentials, FCRA/GLBA permissible-use controls, and the bank/insurance wall enforced at the data layer.
CRM & Pipeline
Relationships & opportunities β seeded live from public-records signals, ready to hand off to Jack Henry / quoting. Wall applies: each division works its own book.
Pipeline drag-free demo
Contact 360
Insurance Risk β Geographic & Environmental
County-grain hazard, peril, and exposure for actuarial & catastrophe analysis. Insurance & executive roles only β walled from lending.
Health & mortality layers PENDING PULL
Life / LTC / Medicare population layers β CDC PLACES (chronic disease), NIH HDPulse & CDC WONDER (mortality), USALEEP (life expectancy), County Health Rankings β are catalogued but not yet ingested into the master. They attach at county/tract grain for population analysis only, are never used for individual ACA medical rating, and stay walled from lending. This is the next data pull.
Market Penetration Map
Every parcel in the footprint, colored by relationship. Click a parcel for the full enriched card.