by The Emmerich Group | Oct 21, 2026 | Deposits, Profitability and Growth
The scramble for low-cost deposits isn’t slowing down; it’s intensifying. And the banks that win aren’t the ones throwing rates at the problem. They’re the ones who build systems, skill sets, and confidence inside their teams so low-cost deposits show up week after...
by The Emmerich Group | Oct 13, 2026 | Deposits, NIM, Overregulation, Profitability and Growth
Most community bank executives blame performance pressure on regulation, rates, or talent shortages. Top performers don’t. In this week’s video, Roxanne Emmerich delivers a blunt wake-up call: overregulation isn’t the problem; execution is. Every bank faces the same...
by The Emmerich Group | Oct 7, 2026 | Increase Net Interest Margin, NIM, Premium Pricing
Premium pricing doesn’t break down because of markets or competitors. It breaks down because your people don’t believe you’re worth more. In this video, Roxanne Emmerich exposes the real constraint behind underpricing: scarcity thinking inside your own institution....
by The Emmerich Group | Oct 1, 2026 | Accountability, Bank Marketing, Creating an Accountability Culture, Culture, Effective Leadership, High Performance, Managing Employees, Profitability and Growth, Sales & Marketing
Excuses don’t stay individual for long. They become culture. When leaders repeatedly accept the story instead of requiring the result, they unintentionally teach their people that helplessness works. And once that thinking takes hold, the cost goes far beyond a...
by The Emmerich Group | Sep 23, 2026 | Accountability, High Performance, Profitability and Growth, Strategic Planning
Your strategic plan may have goals. But does it actually have strategies? After reviewing more than 500 bank strategic plans, one problem appears again and again: banks invest significant time and money creating impressive-looking plans that spell out what they want...
