Chief lending officer
Enforces one pricing methodology, prices every deal to a target return on equity, and reports pipeline and booked ROE without a spreadsheet.
TrueNIM.com
TrueNIM is loan pricing and NIM simulation software for community banks.
Community bank CFOs, chief lending officers, and treasurers use TrueNIM to price each loan against current market rates instead of a static rate sheet, quantify the value of the deposit relationship, and see the effect on net interest margin, capital, and liquidity before the loan is booked. It replaces the pricing spreadsheets and rate-sheet guesswork most banks still rely on, so margin is defended one deal at a time.
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In deal volume priced through TrueNIM
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In loan volume in TrueNIM's first year
Loan‑level
NIM simulation on real deals, not portfolio averages
Watch it work
See TrueNIM price a deal in real time.
What TrueNIM does
Loan pricing software that prices to market and simulates NIM at the loan level.
TrueNIM is a loan pricing and net interest margin simulation engine that community banks use to price individual loans to market, value the full customer relationship, and forecast the balance-sheet impact of new lending before the deal is booked.
Pricing
Every loan priced to a defensible methodology
TrueNIM prices each loan against current market rates and the bank's own cost of funds, target return on equity, and provision for expected losses. Every lender and branch prices the same way, so a quote can be explained to a borrower, a credit committee, or an examiner.
Relationship
The deposit relationship valued in basis points
TrueNIM shows loan-only return next to total-relationship return and quantifies the deposit benefit, so a relationship deal that looks thin on the loan alone is judged on its full economics.
Simulation
Loan-level NIM simulation under rate scenarios
TrueNIM simulates rate shocks and curve shifts against real deals, so the projected net interest margin impact of the pipeline is built from the loans the bank is actually pricing, not portfolio averages.
Forecast
Capital and liquidity impact before funding
TrueNIM forecasts how each new loan moves economic capital, Tier 1 leverage, and liquidity, so the balance-sheet effect is visible before the loan is funded rather than after the quarter closes.
Reporting
One live pipeline and ROE view for the team
TrueNIM gives lenders, credit, the CFO, and ALCO one view of pipeline value, booked value, stage, and average ROE against target, filterable by banker or period, so leadership does not ask for a status update.
To date, more than $1.2 billion in deal volume has been priced through TrueNIM, and the platform generated $215 million in loan volume in its first year. See how this connects to the rest of the balance sheet in BankCore.
The problem
A rate sheet cannot see the rate environment coming.
Most banks price loans off a rate sheet and a gut check. That holds until the curve moves, funding costs shift, or a competitor prices something the bank cannot explain. By the time it shows up in the margin, the loan is already on the books, and the next quarter is spent explaining what happened to NIM instead of managing it.
On TrueNIM today
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In deal volume priced
0
First-year loan volume
Problems TrueNIM solves
What pushes a bank to replace the pricing spreadsheet.
- Loans priced off a rate sheet that is weeks behind the market.
- No consistent, defensible pricing methodology across lenders and branches.
- The deposit relationship is not quantified, so relationship deals look unprofitable on a loan-only basis.
- Pipeline reporting is rebuilt by hand in spreadsheets before every ALCO and board meeting.
- The capital and liquidity effect of new loans is only visible after the quarter closes.
- Net interest margin compression is explained after the fact instead of managed deal by deal.
- Lenders cannot tell whether a deal clears the bank's target return before they quote it.
Who uses TrueNIM
The people who own loan yield and margin.
CFO
Sees the margin, ROA, and ROE impact of the pipeline before it books, and defends net interest margin to the board with current numbers.
Treasurer / ALM officer
Ties loan pricing to the bank's cost of funds, deposit beta, and liquidity, so pricing and funding assumptions match.
ALCO committee
Works from one pricing posture and one pipeline view in the quarterly meeting instead of three versions from three teams.
Lenders & relationship managers
Quote a rate knowing it clears target, with the deposit relationship already counted in.
See it in action
Every deal, priced and proven before you quote it.
Deal Analysis
Know if a deal clears target ROE before you price it
See loan-only pricing next to full relationship pricing side by side, with the deposit relationship benefit called out in basis points. Every lender quotes a rate that pencils against the bank's target return.
- Loan-only versus total opportunity return, compared instantly
- Relationship benefit quantified in basis points
- Target ROE built in, so lenders know where they stand
Admin Dashboard
Pipeline, ROE, and activity for your whole team, live
Total deals, pipeline value, booked value, economic capital, and average ROE in one view, filterable by banker, stage, or time period, so leadership never has to ask for a status update.
- Pipeline by stage, tracked in dollars and deal count
- Average ROE measured against target, in real time
- Active users and stage breakdowns across the organization
Financial Income Statement
Full profitability, broken out automatically
Interest income, interest expense, provision for loan losses, and net income, split between loans and deposits, down to ROE and ROA, generated for every deal without a spreadsheet.
- Loan and deposit profitability, side by side
- Cost of funds and provision built into every calculation
- ROE and ROA delivered instantly, not at quarter-end
Between quote and close
Everything between quote and close, priced correctly.
01 · Pricing
Market-accurate loan pricing
Price every loan against a defensible, best-practice methodology instead of a static rate sheet, so every quote reflects where the market is today, not where it was last quarter.
02 · Visibility
Pipeline reporting your whole team trusts
Give lenders, credit, and ALCO one live view of what is in the pipeline, including pricing, terms, and projected impact, instead of reconstructing it from someone's spreadsheet before every meeting.
03 · Forecasting
Capital and liquidity forecasting, built in
See how every new loan moves your capital and liquidity position before it is funded, not after it shows up in next quarter's call report.
04 · Protection
NIM protection in any rate environment
Simulate rate shocks and shifts before they happen, and see the margin impact on your book today, so you can defend net interest margin instead of explaining what happened to it.
TrueNIM FAQ
Frequently asked questions
Method
What is loan-level NIM simulation?
Loan-level net interest margin simulation prices and models each loan on its own terms, using its rate, term, amortization, structure, funding cost, and expected losses, rather than modeling the loan portfolio in aggregate. TrueNIM uses this approach so a lender sees the margin and return of a specific deal before quoting it, and so the projected NIM impact of the pipeline is built from real deals rather than portfolio averages.
Deposits
How does TrueNIM price deposits and value the deposit relationship?
TrueNIM prices the loan and the associated deposit relationship together. It calculates loan-only return next to total-relationship return, and quantifies the deposit benefit in basis points, so a relationship deal that looks thin on the loan alone can be judged on its full economics. Cost of funds and a provision for expected losses are built into every calculation.
Fit
Is TrueNIM a loan origination or core banking system?
No. TrueNIM prices the loan and shows its balance-sheet effect before the deal is booked in your loan origination system or core. It runs alongside those systems rather than replacing them.
Fit
Does TrueNIM replace our ALM model?
No. TrueNIM prices individual loans at the point of sale and forecasts the pipeline's margin, capital, and liquidity impact. If your bank runs a portfolio asset-liability model for regulatory reporting, TrueNIM runs alongside it and feeds it deal-level pricing assumptions built from real loans.
Scope
What loans can TrueNIM price?
TrueNIM prices the commercial and consumer loans a community bank books, including term loans and lines of credit, using each loan's rate, term, amortization, and structure. Contact NineFive to confirm coverage for a specific loan type or structure.
Setup
How long does it take to implement TrueNIM?
Implementation takes weeks, not months. NineFive configures the pricing methodology and funding assumptions with your team and imports the data TrueNIM needs.
Results
How much loan volume has TrueNIM priced?
More than $1.2 billion in deal volume has been priced through TrueNIM, and the product generated $215 million in loan volume in its first year.
Ready to price with confidence
Let's look at your pipeline together.
Bring a handful of recent deals, and we will show you exactly how TrueNIM would have priced them, and what it means for your margin.