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.
Welcome to the Top 5 Percenter™ Blog
Bold Strategic Choices for 2021 [VIDEO]
Your outcomes will be the result of your choices, but what kind of choices might you be making? Will you let inertia get in the way, or will you make bold choices to step forward? Are you looking for a life of ease, or are you willing to step in and do the hard things others aren’t willing to do? Are you going to be afraid of criticism, or will you step out of your circumstances and create a reality that only the brave can follow? Will you use your sharp tongue to hurt people, because people might laugh at your joke, or might you choose instead to be kind?
Video: Bold Strategic Choices for 2021
These are all the kinds of choices that we have the opportunity to look at every day. And the results we’re going to create will be that sum total of the choices we make every day.
If we’re aware at every moment that we’re up to a choice, that will make those choices go so much better. Choose well today and enjoy the day.
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
More From The Blog
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Why Is It So Important to Hold On to Low Cost Deposits [VIDEO]
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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.
The Dangers of False-Attempt Sales Training [VIDEO]
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.
Master the Four Levels of USPs [VIDEO]
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.
Stop Matching the Competition [VIDEO]
Rate matching drains margin. Install USPs that matter, differentiate, and promise explicit benefits—so buyers pay more without a price match.