Deposit Growth Without Begging or Discounting—Here’s How the Top 1% of Banks Do It [VIDEO]
Why paying for deposits destroys margin—and how elite banks grow core deposits without rate gimmicks.
Welcome to the Top 5 Percenter™ Blog
3 Reasons to Be Obsessed with a Performance Breakthrough Now
This is YOUR time. Never has there been a better time to pick off your competitor’s top clients. Here’s why:
1) Your competitors are napping. They are consumed with asset quality. They think they have a pause button that says, “All else on hold while we clean up this mess.” It’s like saying that because you are busy, you’re going to choose each morning between brushing your teeth and putting on deodorant.
2) Your asset quality isn’t perfect. All the more reason to bring on some high-profit accounts and pull in substantial low-cost deposits and high-margin high-quality loans. It will make your overall portfolio stronger.
3) Money is on the run. Troubled banks are bleeding good customers. They are looking for a home.
Good points, you say. This makes sense. But dang, your people don’t really know how to capitalize on this. Why isn’t it working? Because there are five whoppin’ hurdles that make it feel like that dream last night where you were being chased, but your legs wouldn’t move. Watch for these in my next post.
More From The Blog
News Flash—Markets Don’t Dictate Premium Pricing [VIDEO]
Banks don’t lose margin because of the market. They lose it because of belief systems that keep them competing on price.
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.
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.
Why Community Banking Matters—Especially at Christmas [VIDEO]
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Life in the World of Over-Regulation [VIDEO]
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.
Why Is It So Important to Hold On to Low Cost Deposits [VIDEO]
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
Can Strategic Thinking Be Taught or Nurtured [VIDEO]
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 State of Gratitude [VIDEO]
A powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
How to Tie Everyone to Profit [VIDEO]
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.