Case Studies

The Emmerich Group Case Studies

Emmerich Financial, Inc.

NET INTEREST MARGIN

How this Utah Bank Grew NIM from 4.77 to 5.11, While Improving Loan Quality and Lowering Overall Cost of Funds to Second Lowest in Their State

This Nearly $1 Billion Tennessee Bank Achieved a 2.0 ROA and 5.0 Net Interest Margin While Doubling in Size

Miraculous Performance Transformation in Just One Year: 100+ Basis Points Added to Net Interest Margin & $14 Million in New Low-Cost Deposits 

LOAN GROWTH

How a Small-Town Bank From Kansas Became One Of The Best Banks in America: LOAN GROWTH from 139k to 279k loans – Cross Sales from 2.2 to 8.12

Following the Right Sales Process Leads
to a Uniquely Profitable $10 Million
Loan for this Illinois Bank

CULTURE

How Hoosier Heartland State Bank
Became the Market Leader and
Beat the Big National Banks

What Happens When a Bank CEO Declares War on “Being Average”? NIM from bottom to top quartile in 2 years – Culture Score from 3.13 to 6.21 (2nd highest of all banks)

It’s All About Culture: How a Nebraska Agricultural  Bank Moved from “Average” to a 4.75 Net Interest Margin, 2.0 ROA, and a 7+ Cross-Sales Ratio

How a Bank in New York Grew Assets Per Employee from 3.4 to Over 5 Million and Exceeded Their Annual Income Goal by Over 142 Percent

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CROSS-SALES

How to be Named #1 in Client Experience by Forbes and How You Can Model Thomaston Savings Bank’s Success

How a Bank in New York Grew Assets Per Employee from 3.4 to Over 5 Million and Exceeded Their Annual Income Goal by Over 142 Percent

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