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
Recession over? YOU Decide.
There is speculation that the Mongolian goat rodeo in the economy is over. It may be. And for many banks, it was the best time ever—a time of extraordinary breakthroughs and results.
And what a time of opportunity!
Think about it this way. Imagine that none of your people were calling on your customers and coddling them through the recession. Imagine nobody was calling on your prospects.
You don’t need to imagine for long, because that was the case for almost all of your competitors who didn’t understand the lesson we learned from the plate spinner on Ed Sullivan—after the first plate is up in the air, you’ve got to KEEP it up there!
Sure, there are bad loans to clean up… AND there is never a better time to pick up deposits and great quality loans. Well, the opportunities aren’t over yet, but it’s time to MOVE.
Although the commercial real estate challenges will still distract us, NOW is the time to get everyone and everything focused on gathering extremely profitable and safe clients. Period. They’ve never been more willing to move, so you better get moving too.
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.