The Emmerich Group
YOUR WHOLE BANK, NOT ONE PIECE OF IT

The Game Has Changed:
15 New Rules
That Will Dominate
the Future of Banking

Banking Has New Rules: Don’t Screw Them Up

We’ve seen it so many times before: A bank CEO and his executive team (perhaps yours) blindly follows the herd mentality and implements the same “growth” strategies that 95% of all banks are using:

  • You put little ads in the paper to get CDs—and become order-takers like everyone else in town—rather than simply attracting large non-interest-bearing deposits with cross-sales that average over 7. (Most of your people don’t know how to do that.)
  • Secondly, you have a “marketing” system that casts a wide net over the entire lake, rather than finding the fishing hole of A+ quality credits. As a result, you bring in thousands of clients—87% of which are unprofitable—then try to make it up on volume.
  • Your people routinely waste energy because they’re chasing every deal, as opposed to focusing in on those deals that matter—deals that are profitable and successful.
  • Your people have no idea how to compete against three or four competitors—and still get the deal. All of them are undercutting you by 100 to 200 basis points.
* Your people don’t have the confidence to go after all of a prime prospect’s business because they don’t understand that sales is a system that helps people buy everything they need at once—without price becoming a substantial determinant.
Doubled Non-Interest-Bearing Deposits
Lloyd Harrison
President & CEO, Virginia Partners Bank
“Using this blueprint, we more than doubled our non-interest-bearing deposits in 3 years while growing loans over 40%.”
From 4th Quartile to Top Quartile in 18 Months
Roy Harmon, Jr.
Past Chairman & CEO, Bank of Tennessee
“I’ve attended 24 years of high-performance networks. They all have magic formulas to tell me how much more money I can bring to margin and profit. The missing ingredient was ‘how.’ All our vendors could only tell us our numbers weren’t good; none of them helped fix them.
With The Emmerich Group, net income has since grown 50% in less than one year, and we moved NIM, ROA, ROE, loan growth, and deposit growth from the fourth quartile of peers to the top quartile in only 18 months. They’re the real deal.”
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