Higher Net Interest Margin With Less Risk – Fact or Fiction? [VIDEO]
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
Here are four new strategies that I’ve found that are shaping the future of top-performing banks. These strategies are profoundly changing the game of banking, and you should be paying attention to them.
#1. Master the right “franchise system.”
What if everyone had a clear road map and education to do his or her job as a top 1 percenter does it? What if the strategy tied into the marketing, which tied into the sales process, and it all tied together with a “culture system” that kept everyone focused on the few right things and kept visibility and celebration of that progress, daily, weekly, and quarterly?
When a predictable success model is installed, all you need to do is drop in the right people, and the magic keeps happening.
#2. The magic of intentional congruence.
While most banks still struggle with the new “this too shall pass” initiatives of the day, those consistently capturing the top-of-list spots have something in common. They understand that strategy must be all tied into the key, defined psychographic and firmographic target markets, and that must tie into the marketing strategy and processes, which of course, tie together both the retail and the complex commercial and wealth management strategies.
#3. Mastery of “stickiness.”
Community banks that thrive the most know how to implement and make things stick. You will not see them roll out new programs or processes without already planning how they will make them stick for the long term. The profit drain that comes from starting and stopping is staggering. And worse, it trains your people to simply hunker down and wait you out, knowing they never really need to change their sub-par behaviors.
#4. Culture of accountability.
An activity is not a result. We all have those employees who come in early and leave late but never hit their numbers or get the key projects completed. Of course, if you ask them, they think they are clearly a top performer.
So it’s not just about accountability but accountability to the key activities and the results of those key activities that matter. When employees at top-performing banks miss an objective, they take responsibility for creating a massive corrective action plan to get back on track. That’s culture.
Look around at the best community banks that get and stay at the top. The formulas are right there.
Roxanne Emmerich
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
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.