Welcome to The Top 5 Percenter™ Blog
Dive in for concise, powerful insights on elevating community banking. Discover strategies and success stories for superior performance, from boosting financial margins to cultivating a dynamic culture. These posts literally contain the secrets of the Top 5 Percenters™. Sign up to the newsletter so that you don’t miss a single post.
Who Made Up That Rule? [VIDEO]
Everyone has patterns of disbelief. Some people believe that in politics, there is one side or the other, and they're unwilling to look at the alternative. Still others believe that the moon is made of cheese. You may have a belief system that's true. You may have a belief system that's not true. And the question that we have to look at as an executive is, "what has to be true for us to...
Accountabilibuddies: The Power of Mutual Accountability [VIDEO]
I hear the same thing everywhere I go—"We need to build an accountability culture!" Great idea, right? But here’s the problem: we’ve been saying this for decades, and most organizations haven’t moved the needle. So why do we keep talking about the same issue without fixing it? I’ve got a couple of ideas. Why Accountability Efforts Fail First, one big mistake organizations make is bringing in...
Second Order Thinking—No More ‘Pedestrian Thinking’ [VIDEO]
I have a book that I love—a book I read a couple of times last year and still reference often. It’s called Intelligent Thinking—which, let’s be honest, sounds like a pretty good thing to do. On pages 58 and 59, the author introduces a powerful concept: first-order thinking versus second-order thinking. As an executive, understanding this distinction is critical—not just for yourself but for...
Buy-In Blueprint: Behavioral Economics at Work [VIDEO]
Are you still working off a to-do list? Well, I’ve got a suggestion for you: throw that list out—and do it now! Not all tasks are created equal, and that's a big reason why so many organizations never really reach a point of thriving. They don’t take the time to understand behavioral economics. They don’t ask, “What’s the highest and best use of my time right now?” Let me ask you this: If you're...
News Flash—Markets Don’t Dictate Premium Pricing [VIDEO]
Every time I meet a new bank CEO, I hear the same thing I’ve heard from thousands of other bank CEOs before. They say, “Roxanne, it’s different here.” Here, we have to measure rates. Here, we have pricing competition. That’s just how it is. I’ll never forget meeting two gentlemen years ago—one was the CEO, the other the president of a bank. They picked me up in their SUV as we headed to...
Managing Through Victimhood and Learned Helplessness [VIDEO]
Have you ever rolled out of bed on a Monday morning, fired up and ready to take on the week, only to be met with a flood of excuses? You’re pumped, you’re ready to go, but instead, you hear things like, “I can’t because no one told me,” or “Boss, I have a hangnail—I think I need to head home early.” Or the classic, “My life is hard, don’t you understand?” Welcome to a world where victimhood is...
Mindset for Premium Pricing: When Your People Don’t Believe You’re Worth More [VIDEO]
So, I’ve had a mentor for about 30 years now. He’s one of the wealthiest people in the country, and when he came here, he had just fifty bucks in his pocket. He once shared a system with me, and as soon as I started using it, things just clicked. It worked right away. Soon enough, some of my colleagues started asking him, “How is Roxanne getting all this business—and at such high prices?” And he...
Life in the World of Over-Regulation [VIDEO]
So, are we as an industry overly regulated? Absolutely. But here’s the thing: when I sit down with my CEOs on Fridays—many of whom are in the top five percent of performers in this country—I hear a very different perspective. One of them put it perfectly. He said, “You know what? I don’t care who gets elected or what happens politically, because at the end of the day, I’ve still got to go...
Rate Risk is a Big Risk—Play Smart [VIDEO]
Are interest rates going up or down? Short-term or long-term? What? You don’t know for sure? Well, that’s actually a good sign. It means you’re thinking because honestly, nobody knows for certain. Yet, we see banks creating these big strategic plans, making assumptions about where rates are headed. But we all know there are so many unknowns: when the next war breaks out, if inflation...
Banish Your “Culture Ghost”—The Drag on Your Workplace that Haunts [VIDEO]
Ready to transform your team? Click here to watch our free masterclass to discover proven strategies for tackling low performers, improving communication, and building the high-performance culture your organization deserves—on your own time, anytime. I'm not really into the paranormal, but I do believe businesses have their own kind of "ghosts." Let me tell you a story. A few years ago, I...
Healthy Dissention: Handle Conflict Head On [VIDEO]
Ready to unlock the secrets of high-performance cultures? Click here to access exclusive tools and insights, including Next Action Templates and the National Study of High-Performance Cultures—your roadmap to driving growth and profitability today. So, you can disagree without being disagreeable. Have you ever worked with someone who just seems to be constantly, well, disagreeable? No...
Merry Christmas [VIDEO]
Merry Christmas to you, your team, and your family. At a time like this, we should stop and reflect on what this holiday is all about. It's all about family, and we know it—because having the love and the ability to impact other people in the world and the ones that we brought into the world is a wonderful thing. But listen: Our family extends beyond the family that we've given birth to and...