So, are we as an industry overly regulated? Absolutely. But here’s the thing: when I sit down with my CEOs on Fridays—many of whom are in the top five percent of performers in this country—I hear a very different perspective.
One of them put it perfectly. He said, “You know what? I don’t care who gets elected or what happens politically, because at the end of the day, I’ve still got to go out there, make loans, take deposits, and deliver profits to my shareholders. That’s my job. I just focus on what I do best, no matter how crazy the world gets.”
And honestly, that hit me hard. It’s a lesson we all need: stop complaining about overregulation. Stop whining about interest rates. Stop griping about how hard it is to find good people. Go find good people. Understand that every one of your competitors is facing the same challenges you are. Then roll up your sleeves and get to work.
At some point, we’ve all got to put on our big boy pants—or big girl pants—and get the job done. The truth is, there’s always room in the market for those who make high-quality loans at premium pricing and bring in non-interest-bearing deposits to fund them. But if you’re stuck complaining about overregulation instead of acting, someone else will step up—and they’ll have their name on your door before you know it.
Let’s be real: overregulation isn’t going anywhere. But the path forward is clear. Focus on making premium-priced loans and securing low-cost or no-cost deposits, and the opportunities are endless.
So, here’s the deal: join me at the next Breakthrough Banking Blueprint™ Bootcamp I’ll walk you through the exact blueprint used by top-performing banks. These top five percenters didn’t start at the top—they learned how to get there.
Why not learn the system that’s taken hundreds of banks to elite performance? If they can do it, you can too.
Are you going to be there? I hope so. Let’s make it happen.
To your continued success,
Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
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