by The Emmerich Group | Jan 7, 2026 | Customer Success, Deposits, Increase Net Interest Margin, NIM
Higher net interest margin doesn’t come from better rate sheets—it comes from better positioning. Most community banks are trapped in a pricing death spiral. Match the rate or lose the deal. Cut margin or lose relevance. Meanwhile, a small group of banks quietly...
by The Emmerich Group | Dec 18, 2025 | Customer Service, Customer Success, Effective Leadership
Boards want certainty. Markets refuse to give it. That tension is where many community banks make their biggest strategic mistake—building plans based on interest rate assumptions that no one can actually predict. Wars, inflation, policy shifts, and government...
by The Emmerich Group | Dec 18, 2025 | Customer Service, Customer Success, Effective Leadership
Christmas creates space to pause—and for bank leaders, that pause matters. In the rush of targets, margins, and metrics, it’s easy to forget the deeper reason community banks exist. This week’s video is a reminder that your influence extends far beyond...
by The Emmerich Group | Feb 27, 2025 | Customer Service, Customer Success, High Performance, Profitability and Growth, Sales Process, Sales Training, Strategic Planning, USP
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...
by The Emmerich Group | Feb 20, 2025 | Customer Service, Customer Success, High Performance, Profitability and Growth, Sales Process, Sales Training, Strategic Planning, USP
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...
by The Emmerich Group | Feb 13, 2025 | Customer Service, Customer Success, High Performance, Profitability and Growth, Sales Process, Sales Training, Strategic Planning, USP
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...
