Net interest margin is under pressure—and if your bank is still waiting on rate changes to save your profitability, you’re already behind.
In this sharp, no-fluff video, Roxanne Emmerich lays out exactly how the top 5% of banks are outpacing the competition with bank margin growth strategies that don’t depend on rate specials or CD gimmicks.
You’ll get a sneak peek of what’s coming in her next Top Gun CEO Interview featuring Charlie Holland—a CEO whose team is pulling in low-cost deposits weekly, and driving serious net interest margin growth without touching rate sheets.
Roxanne shares how elite banks are rewriting the rules using a high-performance ALCO strategy for banks that makes margin a system, not a stat.
If you’re serious about increasing bank profitability, engineering low-cost deposit acquisition, and getting your team out of “hope and cope” banking mode… this preview is your warning shot—and your invitation.
Roxanne Emmerich on the ALCO shifts, deposit strategies, and system changes driving the top banks forward.
Net interest margin is tighter than your aunt’s perm in a rainstorm… and if your bank’s waiting on the Fed to bail you out—congrats, you’re officially in ‘hope and cope’ banking.
But the Top 5%? They’re pulling in dream deposits, executing powerful bank margin growth strategies, and printing net interest margin like it’s 2019.
And in our next Top Gun CEO Interview, you’re going to see exactly how.
I’m Roxanne Emmerich, CEO of The Emmerich Group, founder of the Best Banks in America™️ Super Conference and chair of the Institute for Extraordinary Banking™️.
We’ve helped most banks increase bank profitability and improve net interest margin by over 150 basis points—without raising rates—and we do it by showing them what the elite already know:
👉 You don’t win by hoping. You win by engineering.
👉 And margin? It’s a strategy, not a stat.
Let me hit a nerve here.
If your ALCO strategy for banks is still asking:
“What can we do about margin?”
…instead of:
“What systems do we have in place that make our cost of funds a competitive weapon?”
You’re already losing.
One CEO told me recently:
“We used to match rates. Now we set them—and still win the business.”
THAT’S the game.
And one of the best players in that game?
Charlie Holland.
Charlie doesn’t just attract deposits.
He generates low-cost deposit acquisition WEEKLY in numbers most banks would call a banner quarter.
He’s not guessing.
He’s not hoping.
He’s doing it by design—and he’s spilling it all in our next Top Gun CEO Interview.
👉 The systems
👉 The team shifts
👉 The culture alignment
👉 The secret sauce that brings in deposits AND expands NIM
He’s walking into the room with a cigar and a smile…
…and other CEOs are scribbling notes like college freshmen during finals week.
There’s a reason Charlie’s team doesn’t lose business to “the guy down the street with a 10-basis-point CD bump.”
They’re not in the same league.
One competitor told me, “I don’t know what Charlie’s feeding his team, but they’re machines.”
(For the record: it’s not caffeine. It’s a system tied to profitability and margin growth.)
Meanwhile, some banks are still out here “training their people” like that alone is going to improve net interest margin.
(That’s like changing the tires on a car with no engine.)
If you’re serious about driving NIM, building a culture that attracts low-cost deposits, and operating like a Top 5% bank,
Then join me for the next Top Gun CEO Interview—where Charlie Holland gives you the play-by-play of how he actually does it.
✅ No fluff
✅ No theory
✅ Just results
👉 Click the link. Register now.
Because while others are watching the weather, you’ll be building the storm.
To your continued success,
Roxanne Emmerich
Please watch the video above and share it with your exec team and board.
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