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.
I believe that accepting limiting beliefs as fact is too common in banking today.
Today, together, we’re going to blow up the biggest limiting belief in banking. It’s so bad, it’s keeping you and your team from attracting the very best credits AND getting extreme premium pricing.
If you’re the kind of leader who:
There are a few challenges to getting the best credits to pull away from their current bank AND pay you 100+ basis points more.
First, you must get your team to challenge the mountain of evidence they have telling them that good credits will never pay anything but the lowest price because your competitors will cut and cut and cut to get the business. It’s just not true.
Second, you’re going to have to be worth more. Saying “we’ve got great people” or “we turn around your loans fast,” while great things, are NOT enough differentiation to get you that premium pricing.
Third, you have to turn the ship—belief systems, differentiation and sales process must all change together, or it will remain a pipe dream instead of an ongoing reality where you ALWAYS get paid more while attracting the very best quality loans.
In this episode, I’ll share three steps to help you get some serious traction on pulling in better prospects and premium pricing in just a few short weeks.
Again, three steps:
1) Find out who your current most profitable customers are.
2) Determine the intersection of psychographic and firmographic similarities and
3) Create the system to build reputational equity.
Don’t miss the next episode where I cover how to build differentiation that gets the attention of A+ quality prospects to help you win more and better business fast.
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.
Low-cost deposits are the ultimate margin advantage. Discover how top 5% performers attract them consistently—and why most banks fail to compete.
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 powerful Thanksgiving message on how gratitude shifts leadership presence, reframes pressure, and strengthens your bank’s performance culture.
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.
Traditional sales training fails because it focuses on tactics, not transformation. Discover how to shift from sales training to sales culture and achieve lasting growth.
Escape commodity pricing. This episode shows how Level-4 USPs—proprietary, client-valued processes—let community banks command +150–200 bps and keep deposits loyal.