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
Expecting and Getting More from Your People
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A young woman came to me after a Kick-Off session recently and said, with tears in her eyes, “I took this job because I had to. Now, after tonight, I WANT to be here.” What changed? She simply saw that the expectations were higher and the dysfunctional behaviors were called just that, and now they all had permission not to allow any of those behaviors ever again.
It is hard to work around self-consumed people. When they see people bash other departments, whining about what the company didn’t do for them, talking more about making sure they get their vacation time more than focusing on making priorities happen and putting procedures in place…they quickly lose their passion for being extraordinary. When they see “low vibration behavior” isn’t tolerated, and it is every person’s job to make sure it’s not allowed, they breathe deeply for the first time in months.
As a leader, you are called to expect more from people. Do not tolerate even the “smallest” amount of back-stabbing or whining. You are in command of the culture, and nothing will destroy the passion to be extraordinary faster than allowing people to live in a world of victims, telling their “stories and excuses” of why they can’t do things, why they miss deadlines, and other pot-stirring and negativity. If you, as a leader, assume that it is just a part of the work world…you will be right. You don’t want to be right on this one!
Be a vigilante on a mission to clean up the dysfunctional behaviors. The tears will be tears of joy for those who remain!
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.
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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.