Deposit Growth Without Begging or Discounting—Here’s How the Top 1% of Banks Do It [VIDEO]
Why paying for deposits destroys margin—and how elite banks grow core deposits without rate gimmicks.
Welcome to the Top 5 Percenter™ Blog
Do Not Disturb: The Path to Sanity and Results
Does this sound like your life?
You work from 7:30 in the morning until 7:00 each night and go home exhausted, thinking about all the unfinished work that continues to pile up nonetheless.
You take work with you on “vacations,” and your ringing cell phone competes with the sound of the surf at the beach.
And despite all this, you STILL feel like you’re falling ever-further behind.
If this feels like you, you’re not alone. It’s the life of an executive… but it shouldn’t be. It’s not just insane; it’s counterproductive. That kind of relentless schedule diminishes the quality of your life AND your work.
So what can you do to build some sanity and results in your life? Three things:
- Make sure EVERY employee who reports to you has a quarterly action plan based on goals and strategic initiatives that YOU approve. From that plan, have them each create a weekly plan in alignment with the overall quarterly plan. Get them to commit to the results.
- Don’t do the work of others for them. Send people back to work out problems themselves. If they come to you with something that isn’t finished with accuracy and the right strategic direction, resist the temptation to do it yourself. Send it back to the person who gave it to you and tell them to bring it back with the changes you request. They’ll quickly get the point that you’re finished with doing their work—and they’ll grow immensely.
- Post your DO NOT DISTURB sign. Better yet, simply post your “open” hours, times during which you are available to provide help or strategic direction. If people come in at another time, tell them you’re looking forward to seeing them the following day at the posted time.
Now, don’t you feel better already? Vigilance is key—don’t let up, or you’ll be back to cell phone calls at the beach in no time.
More From The Blog
News Flash—Markets Don’t Dictate Premium Pricing [VIDEO]
Banks don’t lose margin because of the market. They lose it because of belief systems that keep them competing on price.
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.
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.
Why Community Banking Matters—Especially at Christmas [VIDEO]
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
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 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.
Can Strategic Thinking Be Taught or Nurtured [VIDEO]
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 State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
How to Tie Everyone to Profit [VIDEO]
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.