Community Banks Doing It Right – What the Top 5% Know and Do
Roxanne Emmerich reveals how top 5% banks grow $100M+ in core deposits and triple cross-sales—without matching rates or chasing gimmicks.
Welcome to the Top 5 Percenter™ Blog
Create a Rockin’ Culture, Even in Difficult Times [VIDEO]
When times get a little challenging, people can wig out and the team dynamics get a little interesting. But it doesn’t have to be that way.
Culture can be managed and culture can remain great, but you’re going to have to pay more attention to your culture than ever before during challenging times.
Video: How to Create a Rockin Culture During Difficult Times
World events are impacting the level of happiness of your team members. The world is impacting their self-esteem. The world is impacting them in ways that you’re going to need to compensate for, to make sure that your team has a spirit of “everything that we do, we can excel and innovate.”
“Hey, we’re winning.”
“Hey, we’re pulling ahead.”
“Hey, this is fun.”
“Hey, there’s visibility so we all know how we tie to profit and the strategic plan.”
“I can see how I’m doing on everything, and I see that I’m winning. This is a ball.”
The New Game of Banking is all about culture. When most banks talk about culture, they talk about sales culture, and that is all they’re thinking about.
They think about an officers’ call program and incentive pay.
Real culture shows that these ideas are far from the truth of what drives a great culture. Show me a bank that consistently hits a 2.0 ROA that defines culture in that way. That would be hard to do.
Culture is so much more than that.
It’s a state of being where everybody understands, “This is how we do things around here. And part of what we do around here is we tie everyone to profit on a daily, weekly, monthly, and quarterly basis. We don’t have any room for tourists on this bus. During difficult times, everybody’s got to pull their weight.”
And with the best of intentions, most people are trying to pull their weight, but they don’t know how they tie to profit on a daily, weekly, monthly, and quarterly basis.
That’s why you need to understand the Breakthrough Banking Blueprint™ approach—essentially a “franchise” system to make sure that everyone knows how to bring improvements in safety, revenue, profit, and customer experiences….instead of guessing.
To your success,
Roxanne Emmerich
Want to learn more about how to improve culture, retain your top talent, and start moving the needle within weeks? Watch the replay of our recent masterclass, A Culture That Rocks.
More From The Blog
Why Most Banks Fail at Cross-Selling—And How the Best Banks Are Tripling Results
Cross-selling isn’t a script—it’s a system. Discover how top-performing banks engineer daily discipline that triples products per customer and locks in loyalty.
Your “Nice” Culture Is a Lie. And It’s Costing You Millions.
One bank ditched fake smiles and vague reviews—and doubled profits in 12 months. Here’s how they built a culture that actually works.
Straight Talk from the C-Suite: What High-Performing Bank Execs Are Doing Differently
Top execs are done with old sales playbooks. Discover what’s replacing them—and why one COO hasn’t missed a quarter in six years.
How Elite CEOs Run Game-Changing Board Meetings
Most board meetings are packed with data—but starved of strategic clarity. Discover how the top 5% of banks engineer boardrooms that drive performance, challenge respectfully, and align with breakthrough plans. This week’s episode reveals what high-performing CEOs do differently—and how you can bring that same power to your board.
What the Best Banks Know—and the Rest Still Don’t Get
Top banks play to win. Discover what they do differently—and why it starts with culture and strategy.
What the Best Banks Measure (and the Rest Miss): The Hidden Levers of Top Gun Leaders
Most banks track performance after it’s too late. In this week’s video, Roxanne reveals the exact metrics Top Gun CEOs use to fix results before they lag.
Halfway Is No Excuse
Midyear banking strategy not working? Elite banks accelerate, not apologize. Here’s how to finish strong—with accountability, margin, and momentum.
Top Bank Doubled Revenue with 1/3 Fewer Staff—Here’s How
Toxic conflict is quietly draining your profits.
Most banks reach for generic culture fixes and miss the root cause—low emotional intelligence and zero accountability. Discover how the best banks use healthy dissension to crush drama, boost performance, and lead the industry in profitability.
Bank Drama is Draining Your Profits—Here’s the Proven Fix
Toxic conflict is quietly draining your profits.
Most banks reach for generic culture fixes and miss the root cause—low emotional intelligence and zero accountability. Discover how the best banks use healthy dissension to crush drama, boost performance, and lead the industry in profitability.