by The Emmerich Group | Jul 23, 2026 | High Performance, Increase Net Interest Margin, NIM, Premium Pricing, Profitability and Growth, Sales Process, Sales Training
For too many community banks, net interest margin has become a pricing battle they simply cannot win. Matching rates may keep you in the game today, but it won’t keep your bank independent tomorrow. The highest-performing community banks don’t win because...
by The Emmerich Group | Jan 29, 2026 | Increase Net Interest Margin, NIM, Premium Pricing
Premium pricing doesn’t break down because of markets or competitors. It breaks down because your people don’t believe you’re worth more. In this video, Roxanne Emmerich exposes the real constraint behind underpricing: scarcity thinking inside your own institution....
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 | 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 | Nov 20, 2025 | Deposits, High Performance, Increase Net Interest Margin, NIM, Profitability and Growth, Sales Process, Sales Training, Unique Selling Proposition for banks, USP
Most bank executives assume their people understand how they drive profit. The hard truth? Over 90% of employees in a national study believed they were top‑10% performers—yet most can’t show how they actually tie to profit. That disconnect quietly destroys margin,...
by The Emmerich Group | Nov 12, 2025 | Deposits, High Performance, Increase Net Interest Margin, NIM, Profitability and Growth, Sales Process, Sales Training, Unique Selling Proposition for banks, USP
Too many banks have poured millions into “sales training” only to watch enthusiasm—and results—fade within months. Why? Because traditional training doesn’t change culture. In this week’s video, Roxanne Emmerich exposes why “false-attempt” sales training fails and...
