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.
I finally read it. I had heard about it from at least twenty people over the years who talked of it being a powerful book that shaped their world: Acres of Diamonds. It’s a century old, and yet its truths are timeless.
This pastor, lawyer, speaker, politician, and university president—who collected $11 million from his speech by the same title and donated it to students—spoke of the riches that are available to all of us and how we search for them in all the wrong places. The acres of diamonds, you see, are in our own backyard.
He tells of struggling merchants who know nothing about the people living near their businesses, nothing about their families or their kids, their joys or sorrows or aspirations. They just plain don’t care about people —and THAT’s why they’re poor. They don’t see opportunities because they don’t know that people will show you how to help them… IF you just listen.
A metaphor for banking? My thoughts exactly.
Those who have the words “rate curve” falling from their lips as an excuse are missing the obvious—the acres of diamonds that are suddenly revealed when they stop worrying about rate curves and start focusing on caring for people.
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
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.