Fix Performance, Fix Everything—Why Great Banks Don’t Leave Results to Chance
Hope doesn’t scale. Systems do. Find out how elite banks drive results with engineered behaviors and real-time accountability.
Welcome to the Top 5 Percenter™ Blog
This ONE Step Stops “Rate Shoppers”
Have you seen the latest study showing that community bank customers rank rate and price as the #1 criteria for choosing their bank?
No?
Me neither…because it doesn’t exist.
Yet, the “myth” that price is the paramount concern for your customers runs rampant inside community bank sales teams.
The real research shows that price is only 5th on the list of considerations for most customers…
So why then do they ask for your rate, before asking anything else…?
Simple. If they’re asking that question, your prospects know no other way to tell your bank from another.
Your job is to quickly take the focus off of the rate…I show you how in this video…
Discover the new blueprint for ending rate matching and adding 40, 50 even 60 basis points to net interest margin in just the next 12 months…
More From The Blog
Community Banks Doing It Right – What the Top 5% Know and Do
Roxanne Emmerich reveals how top 5% banks grow $100M+ in core deposits and triple cross-sales—without matching rates or chasing gimmicks.
Why Most Banks Fail at Cross-Selling—And How the Best Banks Are Tripling Results
Cross-selling isn’t a script—it’s a system. Discover how top-performing banks engineer daily discipline that triples products per customer and locks in loyalty.
Your “Nice” Culture Is a Lie. And It’s Costing You Millions.
One bank ditched fake smiles and vague reviews—and doubled profits in 12 months. Here’s how they built a culture that actually works.
Straight Talk from the C-Suite: What High-Performing Bank Execs Are Doing Differently
Top execs are done with old sales playbooks. Discover what’s replacing them—and why one COO hasn’t missed a quarter in six years.
How Elite CEOs Run Game-Changing Board Meetings
Most board meetings are packed with data—but starved of strategic clarity. Discover how the top 5% of banks engineer boardrooms that drive performance, challenge respectfully, and align with breakthrough plans. This week’s episode reveals what high-performing CEOs do differently—and how you can bring that same power to your board.
What the Best Banks Know—and the Rest Still Don’t Get
Top banks play to win. Discover what they do differently—and why it starts with culture and strategy.
What the Best Banks Measure (and the Rest Miss): The Hidden Levers of Top Gun Leaders
Most banks track performance after it’s too late. In this week’s video, Roxanne reveals the exact metrics Top Gun CEOs use to fix results before they lag.
Halfway Is No Excuse
Midyear banking strategy not working? Elite banks accelerate, not apologize. Here’s how to finish strong—with accountability, margin, and momentum.
Top Bank Doubled Revenue with 1/3 Fewer Staff—Here’s How
Toxic conflict is quietly draining your profits.
Most banks reach for generic culture fixes and miss the root cause—low emotional intelligence and zero accountability. Discover how the best banks use healthy dissension to crush drama, boost performance, and lead the industry in profitability.