Welcome to the Top 5 Percenter™ Blog

I believe that we all have a secret desire to create legendary results.


In this episode, I’ll show you how to have your best year ever. We will discuss a step-by-step blueprint we’ve been honored to assist hundreds of banks to achieve and maintain top 5% performance in key metrics, such as Net Interest Margin (NIM), growth, Return on Assets (ROA), Return on Equity (ROE), and Efficiency Ratio. This system has been proven to double the profits of over 70% of the stock banks that have adopted it within three years.

Yup, you guessed it. This is fun.

Whether you are already at the top, striving to get there, or struggling to make a breakthrough, this blueprint will provide you with the tools you need to succeed.

Step 1: Challenge Conventional Wisdom

To make a significant change, you need to let go of old beliefs that are holding you back. Question long-held assumptions about banking, such as the idea that advertising CDs is the best way to get deposits or that you can’t get an additional 100-150 basis points on A+ quality credits if you’re skilled.  All I ask is that you remain open to reevaluating strategies and embracing new ideas that have worked for hundreds of banks already.

Step 2: Focus on Mindset and Confidence

Performance transformation starts with building confidence in your team members. They need to believe they can do impossible things. That isn’t easy but boy oh boy is it fun.  And remember that introducing accountability too early, without the right education and confidence-building, can be a train wreck.

Step 3: Embrace Blended Learning

Traditional training often focuses on “what to do,” but performance transformation requires a focus on “how to be.” Education, not training, is the key to winning large, high-profit accounts. When most bankers find out how they can land large accounts that are low risk while commanding premium pricing, they almost can’t stay in their chairs—they want to go out and do it. Sadly, most bankers simply don’t have the skills.

Step 4: Implement Stage-Appropriate Accountability

Many banks have experienced negative consequences when attempting to introduce sales training and accountability. The word accountability sounds enticing but most bank executives find that they’ve lit a fire cracker and it can cause more harm than good if they don’t know how to create an accountability culture correctly.


To achieve and maintain top 5% performance in the banking industry, follow these four steps:

Step 1: Let go of old-school beliefs that are limiting your potential.
Step 2: Focus on the mindset and confidence of your team members.
Step 3: Implement blended learning that emphasizes education over training.
Step 4: Introduce stage-appropriate accountability to avoid culture shock and employee turnover.

By following this blueprint, you can transform your bank’s performance and achieve lasting success.

– Roxanne Emmerich

Please watch the video above and share it with your exec team and board.

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