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.
Put the Right Players in the Right Seats For Loan Growth [VIDEO]
I believe quality loan growth is one of the top three drivers of sustainable profitability for banks. What if you could restructure your lending department and increase the productivity per lender by 30 to 40% or more within 12 months. Now if you're the kind of leader who thinks your team kicks butt and takes names at securing quality loans at extreme premium pricing, and you’re sure it’s...
Differentiation Value that Drives A+ Prospects [VIDEO]
Do you agree that high quality customers love high quality attention? Let's explore how you can transform your safety and profitability by creating the kind of differentiation that attracts the highest quality credits and makes price irrelevant. If you think that the best customers get the best pricing because everyone wants them, then you have to watch this episode because it can and is being...
You Deserve More and Better [VIDEO]
Are you tired of accepting or being bound by limiting beliefs? Today, we're going to blow up the biggest limiting belief in banking. It's so bad that it keeps you and your team from attracting the very best credits and commanding extreme premium pricing. If you're the kind of leader that has a team that already gets premium pricing and attracts the best credits, you're gonna love this...
Fishing Hole Instead of the Whole Lake [VIDEO]
Sometimes one small tweak can make a huge impact. Do you agree? What if you could immediately find your next Top 100 most profitable, low risk clients; exactly the customers you want on your roster? Would it be worth the work to bring them in? You bet and using this system I'm about to reveal has brought my clients a closing rate of nearly one 100%, so stay tuned. If you're the kind of...
Stop Looking in All the Wrong Places [VIDEO]
I believe the world is full of abundance, a field of diamonds in every backyard, and you deserve to mine your share. What if you could find and bring in all the deposits you want in your market without having to pay up. Now if you're the kind of banker who has all the deposits that you want already, you'll appreciate this because you'll discover how to bring your cost of funds down even more....
New Product Line Strategies for Rapid Sales Transformation [VIDEO]
I believe every bank has a breakthrough opportunity, a missed profit opportunity, including you, in several of your product lines. What if one of your product lines could be the source of thousands of dollars of additional profits within a few short weeks? You'll need to radically change your strategic planning process to make that happen. If you're the kind of person who knows your team...
Build Strategies Into Your Strategic Plan [VIDEO]
What if you were sitting on a goldmine of untapped potential for organic growth and increased profits? What if you could get far more predictable profit and growth impact from your strategic planning process? After reviewing over 500 strategic plans, I find that most banks lack effective strategies, intentional congruence, and essentially have a list of goals but no effective way to achieve...
Master the Four Levels of USPs [VIDEO]
What if you can use extreme differentiation to get 150 basis points or more on the loan side and improve your deposit pricing at the same time? If you're the kind of leader who feels strongly that you can’t follow the herd and believes that net interest margin compression is inevitable, you're going to love this. Or if you have some lenders who get premium pricing but are frustrated that...
Stop Matching the Competition [VIDEO]
You deserve to get paid more. Rate matching is the most destructive force in community banking today. And because of it, as a community bank, you are underpaid for the value you deliver. Get ready because you could stop your prospects from asking you to match your rate to win the business and start getting paid more within the next two weeks. How does that sound? If you're the kind of person...
How to “Turn Off the Noise” and Finally Get Marketing That Works [VIDEO]
I believe accountable people make the world go around. In this session, I’ll show you how to get everyone in your bank thinking about how to go get the next best customers at premium pricing. If you’re the kind of leader who has the traditional marketing department and they do “their thing” and nobody quite understands the why or the how except those in the department, that’s very typical....
How to tie everyone to PROFIT [VIDEO]
Does every team member on your team know how they tie to profit? I mean really know? When a study published in Businessweek revealed they had asked 6,000 employees, "Do you perform in the top 10 percent?" more than 90 percent said they performed in the top 10 percent! Whoa. So yes, you likely have a problem. And no, your people don't really understand how they tie to profit—but they certainly...
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...