What Boards Miss That Can Tank a Bank
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
Welcome to the Top 5 Percenter™ Blog
The Real Question Is, Can You Afford Not To? [VIDEO]
A dear friend asked me a question one time, “Oh really, can you afford not to?”
And I thought that was one of the most brilliant questions I’ve ever heard.
Let me pose it to you this way.
Can you afford not to figure out how to increase your net interest margin by 100 basis points while bringing down your cost of funds and bringing up the quality of the loans you’re making?
Can you afford not to invest deeply in the people who you have on your team to move them from being transactional bankers to transformational bankers?
Can you afford not to build a system such that your marketing and your sales ties together so that you can close those top 100 next best prospects at premium pricing with an 85% close rate or above?
Seriously, can you afford not to, when 50-140% of your profits come from that top 100 list of your most profitable customers?
The true question that we need to ask ourselves as executives is, “Can we afford not to?” And can we break loose of the old belief system that we’ve had for a long time that certain things can’t be done?
During challenging times, the things that “couldn’t be done” in the past must be done now. So, step up and ask yourself this question: “Can I afford not to?”
To your success,
Roxanne Emmerich
More From The Blog
What Your Board Doesn’t Know About Performance—And What It’s Costing You
Most boards are left out of execution—and it’s destroying performance. Here’s how top 5% banks fix it.
The Strategic Planning Lie That’s Keeping You Average
Forget templates. Roxanne Emmerich reveals how top banks burn the rulebook and build execution systems that deliver relentless results.
Fix Performance, Fix Everything—Why Great Banks Don’t Leave Results to Chance
Hope doesn’t scale. Systems do. Find out how elite banks drive results with engineered behaviors and real-time accountability.
Community Banks Doing It Right – What the Top 5% Know and Do
Roxanne Emmerich reveals how top 5% banks grow $100M+ in core deposits and triple cross-sales—without matching rates or chasing gimmicks.
Why Most Banks Fail at Cross-Selling—And How the Best Banks Are Tripling Results
Cross-selling isn’t a script—it’s a system. Discover how top-performing banks engineer daily discipline that triples products per customer and locks in loyalty.
Your “Nice” Culture Is a Lie. And It’s Costing You Millions.
One bank ditched fake smiles and vague reviews—and doubled profits in 12 months. Here’s how they built a culture that actually works.
Straight Talk from the C-Suite: What High-Performing Bank Execs Are Doing Differently
Top execs are done with old sales playbooks. Discover what’s replacing them—and why one COO hasn’t missed a quarter in six years.
How Elite CEOs Run Game-Changing Board Meetings
Most board meetings are packed with data—but starved of strategic clarity. Discover how the top 5% of banks engineer boardrooms that drive performance, challenge respectfully, and align with breakthrough plans. This week’s episode reveals what high-performing CEOs do differently—and how you can bring that same power to your board.
What the Best Banks Know—and the Rest Still Don’t Get
Top banks play to win. Discover what they do differently—and why it starts with culture and strategy.