Higher Net Interest Margin With Less Risk – Fact or Fiction? [VIDEO]
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
Welcome to the Top 5 Percenter™ Blog
How is Your Bank Responding [Video]
What a week… How you respond right now to COVID-19, to near-zero interest rates, and to the requests you’re getting from customers to cut or match rates will predict how your bank will fare in this recession.
How is Your Bank Responding
There’s no reason community banks should have to go out of business because of this recession, but a lot of them will, because they’re not focused on the right things and not in action now.
I recorded a short video above to share some of the actions you should be taking immediately. In the coming days and weeks, I will be sharing more videos in the Grow Your Bank Ezine, here on this blog each Thursday, on LinkedIn, and in regular webinars to help you navigate this storm. Make sure you and your staff are subscribed, if you’re not already, using the form on the right side of this page.
So many of our clients have told me that they made it through the Great Recession because of our relationship and the strategies we helped them implement. I’m committed to getting you through this recession now.
Please watch the video above and share it with your exec team and board.
— Roxanne Emmerich
More From The Blog
Rate Risk is a Big Risk—Play Smart [VIDEO]
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
Why Community Banking Matters—Especially at Christmas [VIDEO]
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
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 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.
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.