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.
Don’t look now, but the sales model has changed. Let’s face it, going onsite with one person, carrying a briefcase and being introduced through the door, is not working anymore. So, what an opportunity! You know that sales will need to continue, but if you go into reaction mode and only wait for them to call into your bank, you know where you’ll be in two to three years. It’s not going to be pretty. You’re going to have to figure out a proactive model to replace what used to work but now can’t, and might I suggest that it might even be better because then you determine, “How are we going to do this virtual sales model? What’s it going to look like? What kind of studios do we put people in? What kind of microphones do they have? What’s the lighting? What is the sales process? Who takes lead on what? How do you make sure the prospect has all of their AV set up before you join the call? Whom moves things along to make sure that everything is done correctly?”
Video: How to Make Your Virtual Sales Model Work
There is so much to figure out to get it right. And what an opportunity! Only those who lean in and learn new things and pull ahead will be those who will be taking the customers away from those who sit back and wait for things to get back to normal. Normal will probably not look like normal ever again, so lean in, learn what to do. This is a time of extreme opportunity.
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
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 powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
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.
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.
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.
Rate matching drains margin. Install USPs that matter, differentiate, and promise explicit benefits—so buyers pay more without a price match.