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.
Welcome to the Top 5 Percenter™ Blog
Community Banks Doing It Right – What the Top 5% Know and Do
Most banks are sleepwalking through “change.”
They swap out posters. Launch a sales contest. Send staff to a flavor-of-the-month training.
Meanwhile, the top 5% of banks are engineering systems so tight, so precise, and so uncopyable… the rest of the industry gets left behind wondering what happened.
In this week’s video, Roxanne reveals:
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How a $600M bank added $100M in core deposits without touching rates.
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The overlooked rituals elite banks use to triple cross-sales.
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Why tying every single role to profitability is the real growth engine.
Still using last year’s plan? You’re not in control.
You’re in danger.
→ Join the banks that don’t just talk transformation at the Best Banks in America™ Super Conference
Banks that attempt reinvention by launching one-off sales contests, bringing in cookie-cutter training programs, or plastering new values posters on the wall—it feels like change, but it doesn’t change a thing.
Why? Because it’s superficial.
Real reinvention isn’t cosmetic. It’s structural. It requires a system.
If you’re trying to grow deposits with the same better-rate pitch and wondering why it’s not working…
If you’re adding more staff hoping that’ll solve productivity problems…
If your team is still using last year’s goals as this year’s strategy…
Then you’re not reinventing. You’re rearranging deck chairs on the Titanic.
Reinvention starts when you stop chasing shiny objects and start building the systems that make performance inevitable.
Let’s start with the story of a $600 million bank in the Midwest that came to us barely keeping up with the loan demand and losing core deposits every quarter. Within eighteen months, they added $100 million in core deposits—without rate matching—and their cross-sales tripled. What changed? They stopped playing not to lose and started engineering wins.
Here’s what the best banks do:
- They focus on niche domination—not being all things to all people.
- They transform tellers into trusted advisors.
- They install cultural rituals that fuel growth, not drain it.
These banks don’t compete on slogans. They build a system so good the competition can’t touch them, even if they tried.
And while your neighbor is posting photos of ribbon-cutting on LinkedIn, the top 5% banks are analyzing their lead indicators weekly, conducting accountability huddles daily, and tying every role—yes, every role—to profitability.
If your team is still making up their goals as they go, you’re not in the game. You’re in trouble.
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