ValueMyBanker Compensation Value Ledger
Estimate only — confirm terms with your incentive plan

Compensation Valuation Calculator

What are you really worth to the bank?

Enter the deposits and loans you manage, priced against the fed funds rate, and see the annual value you actually create — then compare it to what you're paid.

Fed funds rate (EFFR)
%
As of Aug 20, 2026 · Source: New York Fed (EFFR)

Deposits — average yearly balance

FORM VMB-D1

Checking accounts

Average balance and the rate you pay on it (0% for standard non-interest checking).

$
%

Money market / savings

Average balance and the rate you pay depositors.

$
%

CDs

Average balance and the rate you pay depositors.

$
%

Loans

FORM VMB-L1

Commercial

Average outstanding balance and rate charged.

$
%

Residential

Average outstanding balance and rate charged.

$
%

Line of credit

Full committed line, the amount actually drawn, and rate charged. Value is calculated on the drawn balance.

$
$
%

Your compensation

FORM VMB-C1
$
$

Cost to operate you

Salary and bonus aren't the bank's only cost — benefits, systems, management, and compliance overhead add more on top. This is a fixed estimate backed out of the value you generate before your verdict is calculated. There's a cost to doing business, banker.

Fixed overhead cost (annual) $30,000

Your verdict

—

$0

Value generated − total comp

Value generated (annual)$0
Salary + bonus$0
Est. cost to operate you$0
Total cost to bank$0
Net difference$0

Value by category

CHART

Annual dollar value each part of your book contributes.

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Value breakdown

How each part of your book contributes to the total. Deposits are valued at (fed funds rate − rate you pay). Loans are valued at (rate you charge − fed funds rate).

CategoryBalanceYour rateFed fundsSpreadAnnual value
Total value generated$0
How this works. Loan value = (rate you charge − fed funds rate) × average balance — the spread you earn above the bank's baseline cost of funds. Deposit value = (fed funds rate − rate you pay) × average balance — the funding cost you save the bank versus borrowing at the fed funds rate. Line of credit value is calculated on the drawn balance only, since undrawn commitments don't generate interest income. All figures are annualized and summed into your total value generated. Your total cost to the bank adds a fixed $30,000 overhead estimate on top of salary and bonus — benefits, systems, management, and compliance are real costs the bank carries beyond your paycheck, even before you've brought in a dollar. A net difference within about 10% of your total cost is treated as "appropriately valued"; meaningfully above is "undervalued," meaningfully below is "overvalued." This tool is for personal estimation only, is not affiliated with any bank, and does not represent an offer of compensation or an official measure of profitability — always confirm figures against your bank's actual funds transfer pricing and incentive plan. Fed funds rate defaults to the most recent Effective Federal Funds Rate (EFFR) published by the Federal Reserve Bank of New York and can be overridden manually.
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