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
Community Banks Deserve to Get Paid More
You deserve to get paid more.
You deserve to get out of the crazy rate-matching game that can’t end well for anyone.
The truth is, you can get paid a premium—an above-market rate—by good, A+ quality clients, but you won’t get there doing the same thing you’ve been doing.
Watch this video to discover the three secrets to getting premium pricing and getting it soon—in the next few weeks—so that you can stop feeling stuck in rate competition with competitors willing to work for less than you deserve…
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.