Why Is It So Important to Hold On to Low Cost Deposits [VIDEO]
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
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
Life in the World of Over-Regulation [VIDEO]
Top banks don’t complain about regulation, they execute around it. Here’s how the elite outperform anyway.
Why Your Team Can’t Charge Premium Pricing—And How It’s Killing Your Legacy [VIDEO]
Premium pricing isn’t a tactic—it’s a mindset. When belief is missing, margin and legacy are at risk.
How Top Bank Executives Break the Victimhood Cycle [VIDEO]
When leaders tolerate excuses, excuses become culture. Discover how extraordinary bank executives shift employees from helplessness to accountability, confidence, and extraordinary performance.
Your Bank’s Strategic Plan Is Missing the Strategy [VIDEO]
Most bank strategic plans are loaded with goals but surprisingly short on actual strategies. Discover four shifts that align your plan with profitable customers, execution, accountability, and growth.
The Strategic Planning Lie That’s Keeping You Average [VIDEO]
Forget templates. Roxanne Emmerich reveals how top banks burn the rulebook and build execution systems that deliver relentless results.
The Strategic Planning Lie That’s Keeping Banks Mediocre [VIDEO]
Roxanne Emmerich exposes the toxic lie behind most strategic plans—and the second-order thinking top banks use to pull away from the pack.
What Boards Miss That Can Tank a Bank [VIDEO]
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
Build a Bank Performance Culture That Drives Profit [VIDEO]
Great employees don’t automatically produce great bank results. Discover why Top 5% performance requires employees who understand profitability, create deeper relationships, command premium pricing, and become trusted advisors customers never want to leave.
How Top 5% Community Banks Build, and Sustain, Elite Performance[VIDEO]
Elite banks aren’t born elite. They build systems, practice the right behaviors, and continually sharpen how they create value. Discover what helps top 5% banks reach exceptional performance—and stay there.