by The Emmerich Group | Jan 22, 2026 | High Quality Loans, Increase Net Interest Margin, NIM
Most banks are fighting deposit attrition the wrong way—by paying for it. Rate specials feel productive, but they quietly destroy margin, loyalty, and long-term value. In this week’s video, Roxanne Emmerich exposes why chasing deposits with pricing is a losing...
by The Emmerich Group | Jan 15, 2026 | High Quality Loans, Increase Net Interest Margin, NIM
If your leadership team believes “the market sets our pricing,” you’re already behind—and possibly on the wrong side of independence. In this video, Roxanne Emmerich dismantles one of the most dangerous myths in community banking: that competition and market...
by The Emmerich Group | Jan 7, 2026 | Customer Success, Deposits, Increase Net Interest Margin, NIM
Higher net interest margin doesn’t come from better rate sheets—it comes from better positioning. Most community banks are trapped in a pricing death spiral. Match the rate or lose the deal. Cut margin or lose relevance. Meanwhile, a small group of banks quietly...
by The Emmerich Group | Dec 18, 2025 | Customer Service, Customer Success, Effective Leadership
Boards want certainty. Markets refuse to give it. That tension is where many community banks make their biggest strategic mistake—building plans based on interest rate assumptions that no one can actually predict. Wars, inflation, policy shifts, and government...
by The Emmerich Group | Dec 18, 2025 | Customer Service, Customer Success, Effective Leadership
Christmas creates space to pause—and for bank leaders, that pause matters. In the rush of targets, margins, and metrics, it’s easy to forget the deeper reason community banks exist. This week’s video is a reminder that your influence extends far beyond...
