A State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
Welcome to the Top 5 Percenter™ Blog
Better executive decisions in half the time [VIDEO]
Most bank executives take entirely too long to make poor business decisions.
Let’s face it, this is not sustainable. Being an executive means learning how to make better decisions faster. Saying it and accomplishing it are worlds apart.
Do your people have the skills to know how to not only discern through information and eliminate the information that doesn’t matter but also how to communicate it to the right people and make sure all stakeholders have prioritized communication into that process?
Furthermore, all of this discernment happens quickly and moves towards not only a fast implementation but an effective implementation.
Most executives just do not have the skills to do it. It’s not their fault, but it will be if they don’t learn them.
The world is moving at a rapid pace. We don’t have time for the months of due diligence followed by bad decisions with poor implementations.
Those kinds of things were excused in the past but aren’t acceptable in the future. It’s time for your team to learn how to make more effective decisions.
Discern through with critical thinking skills. As important as making a good decision is, ensuring that the decision gets to the right people in a way they understand all the components so a final approval can be given knowing all the right elements.
Wouldn’t that be grand?
I look forward to teaching you more about how to do that.
I have an upcoming complimentary masterclass, and I hope to see you there!
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
More From The Blog
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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.
The AI Wild West
AI isn’t coming—it’s already here. Discover why most bank roles are now obsolete, and what your team must become to survive.
Your Plan Won’t Save You in a Merger—But This Will
Your plan won’t save you. A strategic planning system designed for high-stakes execution will. Here’s how top community banks avoid merger collapse.