Your Plan Won’t Save You in a Merger—But This Will
Your plan won’t save you. A strategic planning system designed for high-stakes execution will. Here’s how top community banks avoid merger collapse.
Welcome to the Top 5 Percenter™ Blog
Cross-Sales…Its Sad State of Affairs
Truly depressing really…
Imagine if you came to work for two decades…busted your hump and looked back over your 20-year career, only to discover you’d made absolutely no progress.
What a waste…
That’s exactly what our beloved industry can do right now.
Turn around and reflect on the last two decades…and realize that as a group, no progress has been made in cross-sales success.
Not a lick!
For decades the industry average has hovered around a too-low-to-admit-publically 2.2 cross-sales per new account.
So, on average, banks are capturing just 1/8th of the relationship with each new customer.
ONE-EIGHTH!!
For those that don’t fix it (and fast) there are three real, and “right now” dangers you’d better brace yourself for (more on those in today’s video).
And if you’re not AVERAGING 5, 6 or 7 (across the bank), the best time to fix that would have been yesterday…the next best time is TODAY. Jump on our newest online masterclass and I’ll show you how our client banks are systematically doubling cross sales (on average) across the entire bank.
More From The Blog
Why Culture Cannot Be Delegated
Most banks pretend that culture can be delegated. Wrong. Elite banks weaponize culture as their profit engine. Here’s the system CEOs can’t ignore.
The Strategic Planning Lie That’s Keeping Banks Mediocre
Roxanne Emmerich exposes the toxic lie behind most strategic plans—and the second-order thinking top banks use to pull away from the pack.
What Boards Miss That Can Tank a Bank
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
What Your Board Doesn’t Know About Performance—And What It’s Costing You
Most boards are left out of execution—and it’s destroying performance. Here’s how top 5% banks fix it.
The Strategic Planning Lie That’s Keeping You Average
Forget templates. Roxanne Emmerich reveals how top banks burn the rulebook and build execution systems that deliver relentless results.
Fix Performance, Fix Everything—Why Great Banks Don’t Leave Results to Chance
Hope doesn’t scale. Systems do. Find out how elite banks drive results with engineered behaviors and real-time accountability.
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.
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.