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
How to keep your best people during the “Turnover Tsunami”… [VIDEO]
What are the cultural steps you need to take now to ensure that you have the glue to keep your best people?
Culture is not just the happy bus. Anyone who has created a respectable bank culture understands that culture is a series of systems that align everyone to the values and behaviors of the organization in addition to profit drivers on a daily, weekly, monthly, and quarterly basis.
That is the game everyone needs to know how to play. Yet, in most banks, there’s well-meaning people who basically flit around with no fault of their own because they really don’t understand what needles to move.
But most importantly, they don’t know how to move them.
Sadly, they’re set up for failure. This just is not okay. At times like this, where there’s increased competition for your best employees, imagine the cost of losing employees by not giving them opportunities to grow or given them the tools to win.
The key is to have your entire team applying a proven “predictable success” process that systematically drives the predictability of winning. That is what’s important and that’s what drives a bank culture people would never leave.
Culture isn’t just the happy bus—it’s the happy bus going to the land of “We live our values. We live our behaviors. We hit our numbers and we effectively implement everything in our strategic plan.”
Now the real question is whether you’ve given your team the right systems to help them win big and often. The proof is in the puddin’.
The vast majority of banks in America do not have what they need in place to drive great performance, keep great people, and it’s going to start showing real soon.
– Roxanne Emmerich
More From The Blog
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.
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.