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.
Let’s think through profitability for a second. Profitability has different meanings to different people because profitability by itself doesn’t mean much. When I first wrote the Profit-Growth Banking book before the last recession, I talked about how I’m not impressed by banks that grow fast. I’m not impressed by banks that are profitable.
Video: The Elite Bank Performance Blueprint
I am impressed by banks which do both together consistently and are not rattled during difficult times because their “franchise systems” create great results regardless of economic downturns.
In my newly released book, The Breakthrough Banking Blueprint, I proclaimed a new theory that’s more advanced.
I always say I live every day to be embarrassed by the work I did the previous week because I’ve learned so much more in that week.
Well… I never seem to amaze myself with how embarrassed I can be by my past work. So, here’s my update.
Now there is a third leg on the stool that must also be exemplary—consistent growth and profit improvement while portfolio quality also goes up!
We must not be delusional that we are getting “premium pricing” when, in fact, we’re actually simply getting paid more for risk.
Incidentally, can you ever get paid enough for risk?
Profitably with safety and growth at the same time means that your revenue franchise system is functioning correctly and that your team members are working the system with extreme attention to exactness in their execution.
– Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
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.