You Finished
The Book.
Now let's build the plan for your bank.
Answer a few pointed questions and we'll build Your Low-Cost Deposit Battle Plan — which of the nine components is costing your bank the most, what closing that gap is worth in dollars, and the first moves to start putting points on the board within weeks.
Built for your bank. No cost. About 6 minutes.
"Every one of these is read personally."
— Roxanne Emmerich
Hundreds of community banks since 1993.
150+ BPS average NIM lift across all clients.
Most clients reach the top 5% within three years.
What banks like yours
have already done.
In Their Own Words
"$14 million in non-interest-bearing deposits and $20 million in deposits."
"Non-interest-bearing deposits grew 34% in year one, 36.8% in year two, and 26% in year three. Core deposits went from $182M to $263M."
"Ever since I've been applying the Trusted Advisor process, now my clients never bring up rates anymore."
What's in your
Battle Plan.
Four things, in writing, specific to your bank.
Which of the nine components is draining your bank the most right now. For most banks, one is costing more than the other eight combined — and most CEOs have never seen which one is theirs.
What closing that one gap produces in dollars. Not theory. Not a range.
A number you can take to your next executive meeting.
The ones that produce traction in weeks, not quarters. There are moves inside the nine components that don't require a new core system, a new hire, a board resolution, or a single basis point of rate. Some of our banks have seen deposits move in the first 30 days. Your plan tells you which moves are available to you, in what order, starting Monday.
Usually there's something actively working against you — a pricing habit, an incentive, a service standard that quietly trains your people to be order takers. Cheapest money you'll ever find is the money you stop giving away.
Why This Matters
~18,000
Banks in 1984
→
~4,000
Banks today
Almost none of them failed outright. They went quiet. "Fine" for a few years. Then "fine" for a few more. Then a merger announcement that surprised everyone except the balance sheet.
"I've sat across the table from bank presidents pulling fifty cents on the dollar of what their bank could be, telling me they're fine."
— Roxanne Emmerich
Nobody plans to disappear slowly. It happens anyway, one comfortable year at a time.
You already know this — it's why you read the book. The only open question is which of the nine is yours, and what it's costing you every quarter you don't know.
After You Submit
We build your Battle Plan by hand.
No template, no auto-generated report — Roxanne and our principal team build it twice a month, specific to your bank.
We send it over and offer you a call.
A plan is worth more when the person who built it explains the reasoning behind the sequence. No pitch, no pressure — bring a question, get a straight answer.
It stays confidential.
Your answers are read only by Roxanne and our principal team. Nothing is shared, sold, or added to a marketing list.
Questions before you start? Call us at 952-737-6730.