Higher Net Interest Margin With Less Risk – Fact or Fiction? [VIDEO]
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
In this episode, I’m going to show you a powerful way for you to get your executives to understand that they own all the results for the entire organization—not just their silo—and what to do with that knowledge.
…You’re going to love this!
Unfortunately, that “act of kindness” actually ends up costing that person their job more often than not, so it’s not very kind at all, is it?
In talking to thousands of bank CEOs over the last 20+ years, I hear these three over and over again.
So how do we deal with it?
Create the “Rules of Engagement” for the executive team.
Unlike so many rah-rah, happy-happy, “team-building” exercises that are like Chinese food—you’re hungry an hour later—you need to go into the eye of the needle and create an understanding of the behaviors that are expected of your executives. Then, delineate the behaviors that won’t cut it anymore.
From “meetings outside of meetings” where people don’t say what they think in the meeting but then stir the pot afterward…
To not speaking up…
To pretending not to know…
You want to be clear about the behaviors you don’t ever want to see around that executive team table. Let everyone understand what gets you voted off the island.
Create “Healthy” Dissidence. Executive learning doesn’t just happen “between the ears.” Sure, book/classroom learning is great, but executive-level decision-making capabilities only come from making executive decisions and practicing candor with their peers.
As a result, executives go silent and “endure.” You want to make sure your team gets educated on how to bring healthy dissidence and extreme commitment to outcomes.
Complete responsibility for the results of the entire bank. Unlike many executive development programs where they teach you to “run your division,” healthy and sustainable organizations have a different distinction. If you’re on the executive team, you’re responsible for EVERYTHING. That doesn’t mean you get in and do everything—you run your division first.
It means that if something isn’t working in some other division, you say something, you offer solutions, and you make sure everyone knows this can’t continue. You DON’T wait for the CEO to have to do that, or you have just proven you’re “management” material instead of “executive” material.
Again, first, make it absolutely clear which behaviors you expect and what you won’t tolerate from your team. Then, demonstrate and teach healthy dissidence. If they care enough about the organization, they should push up against each other often. Finally, enroll your team in the idea that each one is responsible for EVERYTHING, and if there is any part of the organization that isn’t working, it’s their fault too. They need to rise to the occasion.
By getting your executive team to hold each other accountable to deadlines and outcomes, you know you can sleep at night because the strategic plan WILL be met or exceeded. It’s an insurance policy that means your bank gets to stay in business.
Make sure you tune in next time where I’ll show you how to deal with any shortcomings in the emotional intelligence of your team on average so that you can raise your chance of success and do it with more ease.
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
Banks don’t fail from a talent shortage—they fail from a thinking shortage. Discover how critical-thinking systems like the SIR Formula build your future executives now.
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
Most employees believe they’re top performers but can’t show how they drive profit. This episode shows how to tie every role to the bottom line, boost profit per FTE, and build a high‑performance culture in your community bank.
Traditional sales training fails because it focuses on tactics, not transformation. Discover how to shift from sales training to sales culture and achieve lasting growth.
Escape commodity pricing. This episode shows how Level-4 USPs—proprietary, client-valued processes—let community banks command +150–200 bps and keep deposits loyal.