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.
Welcome to the Top 5 Percenter™ Blog
The Virtues of a Gratitude Habit [VIDEO]
Just today I heard about one of our banks where a quarter of their people are out with COVID. Hmm. These are challenging times. Imagine trying to run a bank with that amount of people who are sick, who we know will be out for at least two weeks, maybe longer, and think about the further contamination as well. These are challenging times when a lot is going wrong. We have commercial properties sitting empty. We have the end of PPP loans. And what’s going to happen with the money for small businesses?
Video: The Virtues of a Gratitude Habit
And yet, as we approach Thanksgiving, there’s a lot to be grateful for. We have great teams that stand for the same values, we have great customers, and we get the honor to take good care of them. We have to remember those great things that are around us everywhere and the opportunities that creates. When we get our hearts in the right place, when we obsess about the success of our customers as opposed to thinking about what can we sell them next, what’s the next gig that we can move through, how do we go get the additional premium pricing, when instead we obsess about how we’re going to make a difference, it gives us great honor to be able to be of service to them because they can tell the difference between someone who’s there as a taker and someone who is there as a giver. And that’s what Thanksgiving is about because life gives to the givers and life takes from the takers. The world has a perfect accounting system.
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
More From The Blog
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 Your Team Can’t Charge Premium Pricing—And How It’s Killing Your Legacy [VIDEO]
Premium pricing isn’t a tactic—it’s a mindset. When belief is missing, margin and legacy are at risk.
How Top Bank Executives Break the Victimhood Cycle [VIDEO]
When leaders tolerate excuses, excuses become culture. Discover how extraordinary bank executives shift employees from helplessness to accountability, confidence, and extraordinary performance.
Your Bank’s Strategic Plan Is Missing the Strategy [VIDEO]
Most bank strategic plans are loaded with goals but surprisingly short on actual strategies. Discover four shifts that align your plan with profitable customers, execution, accountability, and growth.
The Strategic Planning Lie That’s Keeping You Average [VIDEO]
Forget templates. Roxanne Emmerich reveals how top banks burn the rulebook and build execution systems that deliver relentless results.
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.
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.