The Strategic Planning Lie That’s Keeping Banks Mediocre [VIDEO]
Roxanne Emmerich exposes the toxic lie behind most strategic plans—and the second-order thinking top banks use to pull away from the pack.
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 Boards Miss That Can Tank a Bank [VIDEO]
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
Build a Bank Performance Culture That Drives Profit [VIDEO]
Great employees don’t automatically produce great bank results. Discover why Top 5% performance requires employees who understand profitability, create deeper relationships, command premium pricing, and become trusted advisors customers never want to leave.
How Top 5% Community Banks Build, and Sustain, Elite Performance[VIDEO]
Elite banks aren’t born elite. They build systems, practice the right behaviors, and continually sharpen how they create value. Discover what helps top 5% banks reach exceptional performance—and stay there.
What the Best Banks in America Do Differently [VIDEO]
What separates America’s top-performing community banks from everyone else? Discover the systems, culture, and performance disciplines that help extraordinary banks protect profitability and independence.
Stop Matching Rates: How Top 5% Banks Command Premium Pricing Instead [VIDEO]
Most banks lose the pricing conversation long before rates are discussed. Discover how elite community banks command premium pricing while protecting profitability and independence.
Stop Rate Matching: The Strategy That Protects Your Net Interest Margin [VIDEO]
Most banks never intend to compete on price, yet rate matching quietly erodes profitability every day. Discover the strategy that allows top-performing community banks to command premium pricing and protect net interest margin.
How Top Community Banks Increase Net Interest Margin Without Competing on Rate [VIDEO]
The best community banks don’t win pricing wars—they avoid them. Discover how stronger positioning leads to higher net interest margin and greater profitability.
The Fastest Way to Find Your Bank’s Next Best Customer [VIDEO]
The highest-performing community banks don’t waste months searching for their ideal customers. Discover the proven process they use to identify profitable relationships quickly and execute with confidence.
Why Premium Pricing Is a Leadership Decision—Not a Market Condition [VIDEO]
Most banks believe their market determines pricing. Discover why that belief destroys profitability—and how elite community banks command premium pricing instead.