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
Recession over? YOU Decide.
There is speculation that the Mongolian goat rodeo in the economy is over. It may be. And for many banks, it was the best time ever—a time of extraordinary breakthroughs and results.
And what a time of opportunity!
Think about it this way. Imagine that none of your people were calling on your customers and coddling them through the recession. Imagine nobody was calling on your prospects.
You don’t need to imagine for long, because that was the case for almost all of your competitors who didn’t understand the lesson we learned from the plate spinner on Ed Sullivan—after the first plate is up in the air, you’ve got to KEEP it up there!
Sure, there are bad loans to clean up… AND there is never a better time to pick up deposits and great quality loans. Well, the opportunities aren’t over yet, but it’s time to MOVE.
Although the commercial real estate challenges will still distract us, NOW is the time to get everyone and everything focused on gathering extremely profitable and safe clients. Period. They’ve never been more willing to move, so you better get moving too.
More From The Blog
Can Strategic Thinking Be Taught or Nurtured [VIDEO]
Banks don’t fail from a talent shortage—they fail from a thinking shortage. Discover how critical-thinking systems like the SIR Formula build your future executives now.
A State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
How to Tie Everyone to Profit [VIDEO]
Most employees believe they’re top performers but can’t show how they drive profit. This episode shows how to tie every role to the bottom line, boost profit per FTE, and build a high‑performance culture in your community bank.
The Dangers of False-Attempt Sales Training [VIDEO]
Traditional sales training fails because it focuses on tactics, not transformation. Discover how to shift from sales training to sales culture and achieve lasting growth.
Master the Four Levels of USPs [VIDEO]
Escape commodity pricing. This episode shows how Level-4 USPs—proprietary, client-valued processes—let community banks command +150–200 bps and keep deposits loyal.
Stop Matching the Competition [VIDEO]
Rate matching drains margin. Install USPs that matter, differentiate, and promise explicit benefits—so buyers pay more without a price match.
Your Team Selling Checklist [VIDEO]
Tag-alongs aren’t team selling. Use this checklist to assign roles, split first vs. second call objectives, and run the pre-call prep that produces 85–90% close rates on top-100 prospects.
How Community Banks Deliver WOW Customer Service [VIDEO]
Most banks deliver “pretty good.” That’s not loyalty. This episode reveals a 3-step execution system—blended learning, measurement, coaching, and celebration—to engineer daily WOW service that sticks and grows deposits, margin, and community pride.
The Silent Profit Killer: How to Stop Rate Matching and Take Back Your Margin
Roxanne Emmerich exposes the hidden flaw in your strategy that’s quietly destroying net interest margin — and the proven path to take back your pricing power.