Deposit Growth Without Begging or Discounting—Here’s How the Top 1% of Banks Do It [VIDEO]
Why paying for deposits destroys margin—and how elite banks grow core deposits without rate gimmicks.
Welcome to the Top 5 Percenter™ Blog
Are your employees about to dump you? [VIDEO]
Are One-Third of Your Employees About to Dump You? I hope not, but that’s what the research is showing will happen in the next six months.
In fact, according to research done by Bamboo HR, 79% said they felt “burnt out” in the last month, and 53% experienced “burnout” in the last week. This is a severe problem.
To make things worse, as they leave you to go someplace else – it’ll be like jumping out of the frying pan and into the fire – as they go to other businesses that will also have one-third of their employees leaving.
We need to stop this insanity immediately, and the only way to do that is to make a rapid and immediate shift in the attention you’re giving to your culture.
It’s not just about attention. It is about developing the cultural systems that get everybody lined up behind your cause and having a blast.
Even during these challenging times, it has never been more important to transform your culture and to do it quickly.
They used to say it took three years to transform a culture. You don’t have three years, you have a very short period of time, and it must be done correctly.
I look forward to sharing with you a couple of ideas in our upcoming masterclass about how you can build the culture “systems” that have taken ordinary banks into the “who’s who” of Best Places to Work and, more importantly, kept them on those lists during good and bad times just like this. I hope to see you there.
Click here to register for the Results-Rule Executive Development MasterClass.
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
More From The Blog
News Flash—Markets Don’t Dictate Premium Pricing [VIDEO]
Banks don’t lose margin because of the market. They lose it because of belief systems that keep them competing on price.
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.
Rate Risk is a Big Risk—Play Smart [VIDEO]
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
Why Community Banking Matters—Especially at Christmas [VIDEO]
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Life in the World of Over-Regulation [VIDEO]
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.
Why Is It So Important to Hold On to Low Cost Deposits [VIDEO]
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
Can Strategic Thinking Be Taught or Nurtured [VIDEO]
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 State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
How to Tie Everyone to Profit [VIDEO]
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.