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.
It’s party time… that time you’ve been waiting for to pick off the top loan customers key deposits from the weak banks around you that are floundering. You don’t need to buy them IF you know how to pull in all the business with ease. To do that, you must shatter the myths that will keep you in a state of inertia:
It’s like putting up a sign saying, “We’re not very good at what we do, so if it’s all right with you, we’d like to only do business with you if we charge less than our least competent competitor.”
How could that possibly be happening in 2010 when we know so much about why people buy and how to sell value over rate?
Culture is the leading predictor of future growth and profitability. Yet if you’re AVERAGE, Gallup says you’re losing at least one out of every three payroll dollars due to disengaged employees. (Stop and do the math.)When your organization begins to resemble adult daycare, it’s hard to rally the troops to win great accounts.
And if you’ve allowed a culture where an excuse is considered a great replacement for a result, it’s almost impossible to move the dime now. The recession. Low loan demand. Competition. They all made for some really great story material for why it couldn’t be done, and NOW you have to figure out how to get them to stop crafting “excuses” and understand that results rule.
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.