Can You Retain And Win All Of Your Bank Account Holders’ Business?



Do you hold the entire relationship for every one of your bank account holders

I hope you do. But maybe you don’t. And maybe your people don’t know how to get effective cross-selling done.

If you’re not averaging five, six, or even seven cross-sales on every new relationship that is opened up in your bank …

Something’s just not right yet

And it doesn’t mean you have bad people. It just means they don’t know what to do for effective cross-selling. But they’re going to need to figure it out.

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Making a Difference This Thanksgiving With Gratitude



This  Thanksgiving holiday, I give thanks for you. And I hope that you’re in a state of gratitude. 

Gratitude is the filter with which we take in life. At every moment in time, things could be a whole lot worse. And that’s what gratitude is–seeing the good things. 

I constantly remind my team about when I was growing up milking cows, going to the barn in the morning when it was 20 degrees below zero with snow blowing sideways set a bar it has been easy to rise above.

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Improve Your Bank-Customer Relationship



What are your customers saying about you? Do they have brand awareness? Or do they have brand insistence?

You see, the degree to which you create a customer relationship with every customer at your bank is the degree to which you become their only banker that’s necessary. 

Now those words are easier said than done. And in fact, most banks have been trying to improve bank customer relationships for a very long time. But …

What Does It Take To Build A Relationship? 

How do you find out how to create a relationship with each customer so they feel uniquely spoken to?

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Escape the Bank Employee Turnover Tsunami!

Stylized graphic of bank manager pushing against large, grasping hand, protecting current employee, illustrating employee retention.

How do you protect your bank from the new “I Quit Culture” known as the Great Resignation of 2021?

And how do you combat the upcoming exodus caused by headhunters calling your best team members weekly with outrageous offers—promising the moon, including upfront money and significantly higher salaries?

The research shows that we’ve never seen a time quite like this—you are more vulnerable than ever before to losing your best people.

Statistics Say: Take Bank Employee Turnover Seriously!

The Microsoft Work Trends Index found that 26% of workers plan to leave their current jobs over the next two months,

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Build Up Your Bank’s Customer Loyalty



Quite a few decades ago, I remember going to bank CEO conferences and hearing this line uttered: “Our people are order takers, we’ve tried everything, we don’t seem to be able to break this problem.” 

Guess what? 

Well, now here we are two-three decades later. Yet, out of the 4000 or so banks that remain, most of them still haven’t figured out how to move into a relationship where they’ve built bank customer loyalty and own the entire customer relationship. 

This does not bode well for the remaining 4000 banks as we’re on our path down to 2000 banks.

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The Transactional To Transformational Model for Community Banks

Male banker sits at his office desk with open laptop computer, discussing interest rates with woman and man applying for loan.



The days of transactional banking are over. 

Yes, there was a day when the customers would walk into our lobbies. Yes, there was a day where they came looking for us. Yes, I remember those days, too. 

Those days are long gone 

And it was a rapid turn. Yes, the amount of traffic coming into our lobbies had been declining. But boy, when we closed the doors for COVID, that changed everything from transactional to transformational. And now we are in a transformational model instead.

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Can’t Miss Bank Marketing Strategies Of A Post-PPP Economy

Wooden chess knight and pawns atop paper currency, all on top of wooden chess board, illustrating bank strategic planning.



Hello. I have a question for you: how are you going to create the same kind of income that you created last year with PPP?

It May Sound Hard. And It Probably Will Be. 

That said, bank marketing strategies that are effective should help you get the job done—by creating the right strategies that define who your next best customers are since your top 100 customers account for anywhere between 50 to 140% of your profits anyway.

Your Next Best Customers

If you find people just like them by defining them,

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Loan Growth Strategies for 2022: Insights for a Post-PPP World

Overhead view of one open, yellow umbrella surrounded by open, black umbrellas, illustrating differentiation as growth strategy.

It’s unprecedented. In talking with a few dozen CEOs these last two weeks, almost all used the exact same words… 

“I’m very concerned about 2022. How are we going to replace the income from PPP and the other programs?

AND ALL I HEAR ARE EXCUSES FROM MY TEAM…” 

  • “We’re making new loans… but the payoffs are killing us.”
  • “The competitors have gone mad with their low-ball offers—how do we compete against that?”
  • The Fed was telling us that interest rates are going to stay low for at least a year,

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