by The Emmerich Group | Jan 22, 2026 | High Quality Loans, Increase Net Interest Margin, NIM
Most banks are fighting deposit attrition the wrong way—by paying for it. Rate specials feel productive, but they quietly destroy margin, loyalty, and long-term value. In this week’s video, Roxanne Emmerich exposes why chasing deposits with pricing is a losing...
by The Emmerich Group | Jan 15, 2026 | High Quality Loans, Increase Net Interest Margin, NIM
If your leadership team believes “the market sets our pricing,” you’re already behind—and possibly on the wrong side of independence. In this video, Roxanne Emmerich dismantles one of the most dangerous myths in community banking: that competition and market...
by The Emmerich Group | Mar 6, 2025 | Deposits, High Quality Loans, Increase Net Interest Margin, Profitability and Growth, Sales & Marketing, Strategic Planning
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...
by The Emmerich Group | Sep 19, 2024 | Cross-Sales, Deposits, Employee Engagement, High Performance, High Quality Loans, NIM, Profitability and Growth, Sales & Marketing, Sales Process, Sales Training
I’ve heard it a thousand times—a CEO will say to me, “I am so tired of lenders walking into my office and saying, ‘Boss, I’m going to lose this deal unless we match the pricing.'” Yes, this is true, but only because they didn’t...
by The Emmerich Group | Sep 12, 2024 | Cross-Sales, Customer Success, Deposits, Employee Training, Fast and Low-Risk Loan Growth, Get More Cross-Sales, High Performance, High Quality Loans, Profitability and Growth, Sales & Marketing, Sales Process, Sales Training
When everyone is competing for a scarce item, it becomes difficult unless you improve at it. This is exactly what we need to do with low-cost deposits. Let’s face it, there is no end in sight to the competition for low-cost deposits. Even when your bank is flush...
by The Emmerich Group | Aug 8, 2024 | Accountability, Capture Profitable Deposits, Cross-Sales, Customer Satisfaction, Customer Service, Customer Success, Deposits, Get More Cross-Sales, High Performance, High Quality Loans, Profitability and Growth, Sales Process, Sales Training, Strategic Planning, USP
Ken Blanchard wrote several books years ago and conducted a research study. What he found was that the number one concern for business owners was the lack of people ready for C-suite positions. In other words, they lacked critical thinking skills and strategic...
