Book by March 15, 2023 and pay just $995 (save $1,800) on the first executive or board member ticket you buy
Deposit Mastery Conference:
The Deposit Domination Deep Dive
The problem with deposits is not what you think…
Why so many smart bankers fail miserably
while others land low-cost deposits
even with the odds stacked against them
LOCK IN YOUR SEATS NOW (and Your Early Bird Savings)

St. Louis, MO | June 15-16, 2023
The problem with deposits is not what you think…
Why so many smart bankers fail miserably while others land low-cost deposits even with the odds stacked against them
The problem with deposits is not what you think…Why so many smart bankers fail miserably while others
land low-cost deposits
even with the odds stacked against them

“In just one year, we had almost 18% core deposit growth.“
— C. Holland, Chief Executive Officer
Farmers State Bank of Alto Pass
2022 Extraordinary Bank of the Year™️ Award Winner
Chief Executive Officer
Farmers State Bank of Alto Pass
2022 Extraordinary Bank of the Year™ Award Winner
Does your bank have an accidental
“sales prevention department”?
You do IF your bankers are still doing transactional (reactional) banking instead of understanding how to be a true trusted advisor. They’re giving lip service to the words but not bringing the true sophistication that top customers demand (and will pay more for).
There is an answer. IF you rock their world and make your clients more successful, they’ll never leave and never ask about rate again…
Do your people deserve to
command premium pricing? Really?

— B. Cruz, Vice President
Bank of Guam
— B. Cruz,
Vice President
Bank of Guam
Let’s face it. You feel like you’ve
tried everything… and yet…
- Your people are still losing deposits if they can’t match the rate
- Your people are doing their best, but they have no idea what process to follow to land large non-interest-bearing deposits
- You’ve got a line outside your door with unnerved bankers saying, “We’ll lose the account if we don’t match the rate!”
Even if deposits aren't a crunch for you right now, you can see the handwriting on the wall. Soon, if it happens to you, you’ll suffer from:
- Not being able to fund loans
- NIM compression
- Losing your best customers
- And potentially even reputational damage in your community
You probably had friends during the great recession who had to sell their banks because deposits became a problem they didn’t fix in time. The reputational damage will linger for generations in their communities.
So, you’re between a rock and a hard place…
Do your well-meaning people have a proven system that commands premium pricing? If not, how much more pricing pressure can you tolerate?
Finally, The Breakthrough Banking Blueprint™ System
for retaining your deposits despite
your competitors’ crazy pricing
LOCK IN YOUR SEATS NOW (and Your Early Bird Savings)
LOCK IN YOUR SEATS NOW
(Early Bird discount ends soon)
St. Louis, MO June 15-16, 2023
LOCK IN
YOUR SEATS NOW
(and Your Early Bird Savings)
Come to vibrant St. Louis, MO June 15-16, 2023, stay the weekend,
and enjoy the hospitality for which the Midwest is rightly famous.
A blueprint that will put an end to the “I have to match the rate or lose the deposits” conversation…
We’ve worked with over 300 of the most elite, ambitious, results-oriented banks, revered by other bank CEOs in their states. Most have been recognized as a “best place to work” in their state, and many have catapulted performance to Top 5% of Peers. All have implemented the blueprint we’ll share at the Deposit Mastery Conference. And the results speak for themselves:



4 out of 5 banks have grown their core deposits as a percentage of deposits by at least 45% within
one year
Over 70% of clients doubled profit within
36 months
Over 89% of clients doubled their
cross-sales ratio within
5 months
You’re probably thinking, “These statistics must be hype and can’t possibly be true…”
And yet, they are.

“We set our goal to grow our core deposits by $1,000,000 a month, $12 million for the year, and through the first quarter… we are up $7 million. We believe what we are doing with The Emmerich Group is making a difference!”
— S. Jones, Immediate Past Chief Executive Officer
Home State Bank
2016 Extraordinary Bank of the Year™️ Award Winner
2017 Institute for Extraordinary Banking™️ Hall of Fame Inductee
— S. Jones,
Immediate Past Chief
Executive Officer
Home State Bank
2016 Extraordinary Bank of the Year™️ Award Winner
2017 Institute for Extraordinary Banking™️ Hall of Fame Inductee
I want you to consider for a moment what’s possible for you. At this point in history, there’s both real danger and enormous opportunity for those who know what to do next.
Opportunity to…
Attract and keep results-oriented “A players” who can drive you to new levels of achievement…
Own a proven and sustainable system—fully installed in your bank—to launch you into the top 10% of your peers in every metric that matters to you: ROA, NIM, Loan Growth, Deposit Growth, Loan Quality, Efficiency Ratio…
Create a true competitive advantage (far beyond and better than “We have great customer service”) that attracts the elite customers in your market… all willing to pay you much more for that advantage…
… And most importantly, never have to match rates again, while attracting
all the deposits you want.
In this 2-day session, you’ll
receive the blueprint that…
Will help you turn a rate inquiry into a customer without rate being brought up again
Gives your team a true differentiation process your customers are happy to pay extra for
Four incredibly easy ways to own the entire relationship without ever having to match rates
Puts an end to the “I have to match the rate or lose the deposits” conversation
Will make you NIM compression-proof
Gives you dirt-cheap, low-tech ways to get more than your fair share of low-cost deposits
Gives you three proven simple and easy ways to flip the “What’s your rate?” question
low-cost deposit secret of 2023
highest-performing banks


But wait… you’ve probably looked at one of those canned “mail and pray” packages being sold to unsuspecting banks as the answer to winning low-cost deposits. Would you want to know now that every bank that’s attended this conference before has immediately gone home and stopped that program and never looked back?
Did I just hear you exhale?
Did you think that there was no viable solution?
Hurry! The last time we offered this program, we turned away dozens of bank executives, so you need to lock in your spot now. And, if you’re considering sending just one executive to “test the waters,” don’t bother. We’ll send your registration back. We only accept banks that are powerfully committed to fixing their deposit problem and will bring at least three executives so you can get results within a few short weeks.
LOCK IN YOUR SEATS NOW (and Your Early Bird Savings)
LOCK IN YOUR SEATS NOW
(Early Bird discount ends soon)
St. Louis, MO June 15-16, 2023
LOCK IN
YOUR SEATS NOW
(and Your Early Bird Savings)

“Core deposits are up from $182 million to $263 million, and assets have increased from $256 million to $422 million. Our
non-interest-bearing deposits grew 34% in [the first year], 36.8% in [the second year], and 26% in [the third year]. This has exceeded even our lofty expectations!”
— L. Harrison, President & CEO
Virginia Partners Bank
— L. Harrison,
President & CEO
Virginia Partners Bank
So, the real question is…
Do you want to stay a transactional bank?
—Having to match rates
—Having to do whatever desperate thing your competitors are doing
—Getting blown around by the fierce and fickle winds of the economy
Introducing…the Deposit Mastery Conference:
The Deposit Domination Deep Dive
The Only Conference PROVEN to Show You
How to Become a Top-Performing Bank

“I stopped going to most bank CEO conferences — they’re talking about things you taught us almost 20 years ago as if they are new ideas.”
— P. Steele,
President & CEO,
Builtwell Bank
2014 Extraordinary Bank of the Year™ Award Winner
2015 Institute for Extraordinary Banking™ Hall of Fame Inductee
— P. Steele, President & CEO
Builtwell Bank
2014 Extraordinary Bank of the Year™️ Award Winner
2015 Institute for Extraordinary Banking™️ Hall of Fame Inductee
Here’s what you’ll leave with:
The Double-Your-Cross-Sales Blueprint™ process credited by hundreds of banks with doubling or even tripling their cross-sales on new accounts in
5 months without ever feeling like sales.
The 3-Step Extreme Differentiator™ Template to create unique selling propositions to win more business and extreme premium pricing while virtually eliminating ALL competition for good.
The Sales Multiplier Team Hiring™ System—benchmark studies show a low-risk sales profile outsells a medium-risk sales profile by 400 percent. If you had a predictable way to “stack the deck” with sales superstars, how would that impact your growth and profitability?
The Proprietary No-More-Order-Taking 7-Step Sales Process™ is the definitive sales engine that transforms your sales team into “heavy hitters” who hit home runs with every new loan and new customer account.
The Sales Letter Template and Checklist™ that helps you 4X response rates to every letter you send.
The Profit-Rich Customer Analysis™ process to help you identify your top 100 most profitable customers, get more of their business, and attract a ton of referrals from them.
A One-on-One Profit Maximizer Analysis™ call with your entire executive team to learn your goals and roadblocks, coach you through your winning strategy, and show you how to implement (valued at $3,000).
The Profit-Growth Banking Playbook that lays out everything you need to do so you have your winning game plan in writing and can refer back to every simple step on your way to the top.
The Executive Team Post-Event Implementation Jumpstart Call to ensure that you implement, starting Day 1, so you can start experiencing measurable wins ASAP.
Your Naked Truth Sales Team Scorecard™—we’ll “test” your sales team members’ current processes and report back to you on what to change to improve their results (valued at $1,295).
The Profit-Rich Psychographic / Firmographic Analysis™ Tool that helps you identify your next most profitable customers.
The value of all this is worth hundreds of thousands, if not millions of dollars in increased NIM, ROA, and organic growth, year after year after year.
LOCK IN YOUR SEATS NOW (and Your Early Bird Savings)
LOCK IN YOUR SEATS NOW
(Early Bird discount ends soon)
LOCK IN
YOUR SEATS NOW
(and Your Early Bird Savings)
Frequently Asked Questions
I’ve been to a bunch of banking conferences that turn into vendor “pitch-fests.” Is this another one?
Not even close. There are. Absolutely. No. Pitches. Period. Just you and a few hundred of the most elite bank executives in the country.
I don’t feel like an “elite” banker and our bank isn’t a top performer yet. Will this be a good fit for me/our bank?
Nobody’s born an “elite” banker. And no bank starts as a top performer. If you have the sincere desire to get there, no matter where you are right now, this is a place you need to be and these are the people you need to be around. They are doing what you aspire to do. Honestly, this is a humble group. You’ll find very successful leaders who welcome the opportunity to share what they’ve learned, what’s working, and to help you. Don’t miss your opportunity to meet them.
We’re already doing well. What can we gain by attending?
Every one of the top 100 banks in America shares two common traits: paranoia and humility. They’re always a little paranoid that someone’s going to come along and eat their lunch. That’s what keeps them sharp. And they’re humble…they’re always looking to gain the next slight edge that will keep them in the driver’s seat in their markets. If you’re really at the top of your game, you already know this, and I suspect you’ll be at the Deposit Mastery Conference: The Deposit Domination Deep Dive.
We’re too busy…
That’s exactly the problem. We routinely work closely with banks with $7-9 million in assets per employee. They’re never “too busy.” In fact, go inside their banks and everything’s calm and orderly. They’re just darn productive! When we go inside banks with $3-4 million in assets per employee, there’s a fire to put out every hour, on the hour. Your choice…do you want to be a firefighter or an elite banker?
The regulators are coming!... We’re rolling out a new core!... My kid has a soccer game!...
Yep, we get it, life happens, regulators come, new software must get rolled out…and on and on and on…
If not now, when will you make time for improving your profit and safety? For growth? For finally getting your bank to the level of performance you believe possible? There will always be [fill in the blank] that’s “in the way” and has you “tied up.” The choice you have is simple. Allow those things to rob you of this opportunity to get the ideas and strategies to have a much brighter tomorrow or say: “I’m going for growth. The regulators, the core upgrade, the whatever, will be here when I get back.” It’s just 2 days.
I can’t go but I’d like to send my people. Can I do that?
This invitation is for executives only. Unless your top people are ready to commit to transformation, to being an elite community bank, you should stay home. While you need your people here, they need you—the CEO, the leader—with them to help them place all that they’ll gain here into the context of YOUR vision. Change your schedule. Get here. You won’t regret it.
What if the conference doesn’t meet our expectations?
Simple. You get your money back… but that’s NEVER happened before.

“The real progress on the margin is on the deposit side. We have the second lowest cost of funds of any community bank in Utah. And even though rates have moved up, we’ve managed to keep customers.“
— J. Jones, President & CEO
First National Bank of Layton
— J. Jones,
President & CEO
First National Bank of Layton
LOCK IN YOUR SEATS NOW
(Early Bird discount ends soon)
LOCK IN
YOUR SEATS NOW
(and Your Early Bird Savings)
2 Ways to Enroll
2
or CALL (952) 737-6730 between 8AM and 5PM Central, M-F
(952) 737-6730
between 8AM and 5PM Central, M-F
Come to vibrant St. Louis, MO June 15-16, 2023, stay the weekend,
and enjoy the hospitality for which the Midwest is rightly famous.