Record Core Deposit Growth

“In our first year, we had almost 18% core deposit growth. Now my team brings in a $2 million to $3 million checking account every single week using what you taught us.”

Record Core Deposit Growth

“In our first year, we had almost 18% core deposit growth. Now my team brings in a $2 million to $3 million checking account every single week using what you taught us.”

Most Profitable Year Ever

“Before Roxanne, we had lost direction. We knew we needed growth and a culture shift. Since joining The Emmerich Group, our deposits are up 22%, our customer satisfaction rating is 9.90 out of 10, and we are experiencing our most profitable year on record. This is the best investment we’ve ever made.”

Deposit Growth Miracle

“Before we worked with The Emmerich Group, we had tried many consultants and training programs with little or no improvement. Within 30 days of our Kick-Butt Kick-Off®, we grew more than we had in the previous 10 years combined—35% annualized in 30 days! The growth of deposits and loans can only be described as a miracle and the profits were up 44%. Ongoing growth has soared from there. The systems keep taking us further.”

Most Profitable Year Ever

“Before Roxanne, we had lost direction. We knew we needed growth and a culture shift. Since joining The Emmerich Group, our deposits are up 22%, our customer satisfaction rating is 9.90 out of 10, and we are experiencing our most profitable year on record. This is the best investment we’ve ever made.”

Higher Than Target Levels

“Our focus on the sales process has led to growth in our core deposits, adding significant value to our organization in the long run. Twenty-six of our twenty-nine banks are in excess of their target levels.”

Exceeding Lofty Expectations

“Since 2015, we have gone from $6.2 million to over $8.18 million in assets per employee. Our profitability has gone up from about $357,000 in the first half of 2015 to $1.1 million in the first half of 2018. Core deposits are up from $182 million to $263 million and assets have increased from $256 million to $422 million. Our non-interest-bearing deposits grew 34% in 2015, 36.8% in 2016, and 26% in 2017. This has exceeded even our lofty expectations!”

Higher Than Target Levels

“Our focus on the sales process has led to growth in our core deposits, adding significant value to our organization in the long run. Twenty-six of our twenty-nine banks are in excess of their target levels.”

Doubling Our Growth

“Roxanne showed us how to double our growth. We hit our loan growth goal for the year by the end of June in our first year with Roxanne Emmerich’s help! We’ve had employees in banking for 20 to 30 years who say they wish they’d started this program 20 years ago.”

No Change To Rates

“Since working with TEG our culture scores have improved and we’ve had tremendous success with commercial loans without having to change our rates.”

Loan Growth Up $100 Million

“Our loan growth was up $100 million in less than five months during the heart of a recession while we improved loan quality. Return on equity increased from 7.18% to 10.44% in a year. Net interest margin increased from 3.63% to 3.95% in a year.”

No Change To Rates

“Since working with TEG our culture scores have improved and we’ve had tremendous success with commercial loans without having to change our rates.”

Ranked #2 by SNL

“In the last three years, the ‘Blueprint’ has helped us have a breakthrough we never dreamed possible. Assets have grown 44%, loan growth is up 64%, net income has doubled, AND we were ranked #2 by SNL for banks under $1 billion. Best of all, we were named the 2019 Extraordinary Bank of the Year™, and our clients are all thrilled to see what our bank in our small community has accomplished!”

Biggest Loan Ever

“We landed a $10 million loan, the biggest we’ve ever had! We’re focusing on our Top 100 and Top 1000 and we now know what they look like, smell like and feel like. It’s easier than ever to go after the people and companies that look just like our most profitable customers.”

Ranked #2 by SNL

“In the last three years, the ‘Blueprint’ has helped us have a breakthrough we never dreamed possible. Assets have grown 44%, loan growth is up 64%, net income has doubled, AND we were ranked #2 by SNL for banks under $1 billion. Best of all, we were named the 2019 Extraordinary Bank of the Year™, and our clients are all thrilled to see what our bank in our small community has accomplished!”

Deposit Costs Down

“We increased net interest margin from the 27^th to 82^nd percentile in the time we have been working with you. We drew the line in the sand about matching rates—that was huge. We drove our deposit costs down. I don’t think we could have come out of those tough couple of years without The Emmerich Group.”

J. Burnett

Chief Executive Officer, Libertyville Savings Bank

Deposit Costs Down

“We increased net interest margin from the 27^th to 82^nd percentile in the time we have been working with you. We drew the line in the sand about matching rates—that was huge. We drove our deposit costs down. I don’t think we could have come out of those tough couple of years without The Emmerich Group.”

Interest Rates Way Up

“We were able to capture a floating rate in a rising rate environment. That was just as big a deal as getting the $10 million loan. Since then, interest rates have gone up 100 basis points. It’s the only floating rate that company has. [We were] able to negotiate that by making sure we stuck to your sales process and held tight…and it worked.”

Ranked #1

“It was an incredible recognition by Forbes… [when they ranked our bank #1 for client experience out of almost 6,000 banks]. We were shocked when we got the #1 rating. It was an amazing announcement when we found that out.”

Bank Wide Celebrations

“We have been partners with TEG for 6 months and employee engagement has increased thanks to implementing morning huddles and bank wide celebrations. We really exceeded expectations on the impact to our culture.”

Changed Our Culture

“Today, profits have increased 44% over last year! All this in a market with many tough competitors. All because we decided to change our culture.”

P. Steele

President & CEO, Builtwell Bank

Tremendous Success

“Since working with TEG, our culture scores have improved and we’ve had tremendous success.”

J. Rios

Chief Financial Officer, First National Bank of Syracuse

At Target Or Above

“Before The Emmerich Group, we had great people, but we didn’t have an accountability culture. Now, 79% of our employees are at target or above on their critical drivers.”

B. Monts

President & CEO, Hoosier Heartland State Bank

People On Fire

“In just 18 months, we improved our ROA from 1.35 to 2.6 and our efficiency ratio from 73% to 56% – far exceeding the utopian goals we set. We never would have thought we could have come so far in so little time. And our people are on fire – we have the best culture we’ve ever had.”

J. Jones

President & CEO, First National Bank of Layton

Triple Cross-Sales

“We increased our average cross-sales ratio in 7 weeks from 2.9 to 5.1. In two years, loans are up 34%, assets are up 21%, and we’ve added 60 basis points to Net Interest Margin, but the really dramatic change is our cross-sales. We tripled cross-sales, from 2.9 to 8.4, on average across the bank—we view this as the ultimate vote of trust from our customers. It’s unbelievable, but very real.“

We hit a 6.7 average for cross-sales

“For a team that didn’t ever think about sales before a year and a half ago, that’s wonderful. We’ve hit a 6.7 average for cross-sales for our whole team and have had individuals as high as 12!”

S. Jones

Chief Executive Officer, Home State Bank

Out Of The Weeds

“The focus time dedicated to the strategic planning process is second to none. Having Roxanne and her team at your side for two days keeps the focus and keeps you out of the weeds.”
“Our focus on the sales process has led to growth in our core deposits, adding significant value to our organization in the long run. Twenty-six of our twenty-nine banks are in excess of their target levels.”

Strategic Plan With Purpose

“For the first time in 25 years, we really have a strategic plan with a purpose and a roadmap.”

Out Of The Weeds

“The focus time dedicated to the strategic planning process is second to none. Having Roxanne and her team at your side for two days keeps the focus and keeps you out of the weeds.”
“Our focus on the sales process has led to growth in our core deposits, adding significant value to our organization in the long run. Twenty-six of our twenty-nine banks are in excess of their target levels.”

Learning To Differentiate

“Hands down the best education for successful community bank strategy and learning how to differentiate your business.”

Walk Away With A Plan

“[Strategic Planning] Think Tank allows you to get laser focus and walk away with clarity on what is going to be important for the bank moving forward the next several years. It allows you to walk away with a plan.”

Learning To Differentiate

“Hands down the best education for successful community bank strategy and learning how to differentiate your business.”

Very Engaged

“Historically, the leadership team would spend months—plus two days together in-person—struggling over a 50+ page annual strategic plan. Once we finalized it, the board would approve it and everyone would put the doggone thing in a folder until the next strategic planning time the following summer. Today, it’s a one-pager. And we’re now a working, functioning leadership team that is very engaged in the strategic direction we are following. We know what to focus on. Now we hit every outcome on the plan.“

Staying On Path

“The process [taught during Strategic Planning Think Tank] removes barriers in the executive management team and empowers all of us to create strategy. The structure encourages us to stay on a path to design strategy.”

Very Engaged

“Historically, the leadership team would spend months—plus two days together in-person—struggling over a 50+ page annual strategic plan. Once we finalized it, the board would approve it and everyone would put the doggone thing in a folder until the next strategic planning time the following summer. Today, it’s a one-pager. And we’re now a working, functioning leadership team that is very engaged in the strategic direction we are following. We know what to focus on. Now we hit every outcome on the plan.“

The Lights Went On

“Once we began implementing The Emmerich Group’s approach, it was like the lights went on [for our people]. Are you working with The Emmerich Group yet? If you’re not, you should be.”

Roxanne’s System Works

“I’ve always said that if our competitors got hold of Roxanne’s information, we’d be in trouble. Fortunately, we found her first. Roxanne’s system works–especially during times like these.”

The Lights Went On

“Once we began implementing The Emmerich Group’s approach, it was like the lights went on [for our people]. Are you working with The Emmerich Group yet? If you’re not, you should be.”