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.
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
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 Your Team Can’t Charge Premium Pricing—And How It’s Killing Your Legacy [VIDEO]
Premium pricing isn’t a tactic—it’s a mindset. When belief is missing, margin and legacy are at risk.
How Top Bank Executives Break the Victimhood Cycle [VIDEO]
When leaders tolerate excuses, excuses become culture. Discover how extraordinary bank executives shift employees from helplessness to accountability, confidence, and extraordinary performance.
Your Bank’s Strategic Plan Is Missing the Strategy [VIDEO]
Most bank strategic plans are loaded with goals but surprisingly short on actual strategies. Discover four shifts that align your plan with profitable customers, execution, accountability, and growth.
The Strategic Planning Lie That’s Keeping You Average [VIDEO]
Forget templates. Roxanne Emmerich reveals how top banks burn the rulebook and build execution systems that deliver relentless results.
The Strategic Planning Lie That’s Keeping Banks Mediocre [VIDEO]
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 [VIDEO]
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
Build a Bank Performance Culture That Drives Profit [VIDEO]
Great employees don’t automatically produce great bank results. Discover why Top 5% performance requires employees who understand profitability, create deeper relationships, command premium pricing, and become trusted advisors customers never want to leave.
How Top 5% Community Banks Build, and Sustain, Elite Performance[VIDEO]
Elite banks aren’t born elite. They build systems, practice the right behaviors, and continually sharpen how they create value. Discover what helps top 5% banks reach exceptional performance—and stay there.