A State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
Welcome to the Top 5 Percenter™ Blog
How is Your Bank Responding [Video]
What a week… How you respond right now to COVID-19, to near-zero interest rates, and to the requests you’re getting from customers to cut or match rates will predict how your bank will fare in this recession.
How is Your Bank Responding
There’s no reason community banks should have to go out of business because of this recession, but a lot of them will, because they’re not focused on the right things and not in action now.
I recorded a short video above to share some of the actions you should be taking immediately. In the coming days and weeks, I will be sharing more videos in the Grow Your Bank Ezine, here on this blog each Thursday, on LinkedIn, and in regular webinars to help you navigate this storm. Make sure you and your staff are subscribed, if you’re not already, using the form on the right side of this page.
So many of our clients have told me that they made it through the Great Recession because of our relationship and the strategies we helped them implement. I’m committed to getting you through this recession now.
Please watch the video above and share it with your exec team and board.
— Roxanne Emmerich
More From The Blog
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.
Your Team Selling Checklist [VIDEO]
Tag-alongs aren’t team selling. Use this checklist to assign roles, split first vs. second call objectives, and run the pre-call prep that produces 85–90% close rates on top-100 prospects.
How Community Banks Deliver WOW Customer Service [VIDEO]
Most banks deliver “pretty good.” That’s not loyalty. This episode reveals a 3-step execution system—blended learning, measurement, coaching, and celebration—to engineer daily WOW service that sticks and grows deposits, margin, and community pride.
The Silent Profit Killer: How to Stop Rate Matching and Take Back Your Margin
Roxanne Emmerich exposes the hidden flaw in your strategy that’s quietly destroying net interest margin — and the proven path to take back your pricing power.
The AI Wild West
AI isn’t coming—it’s already here. Discover why most bank roles are now obsolete, and what your team must become to survive.
Your Plan Won’t Save You in a Merger—But This Will
Your plan won’t save you. A strategic planning system designed for high-stakes execution will. Here’s how top community banks avoid merger collapse.