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.
Welcome to the Top 5 Percenter™ Blog
Busting the #1 Myth About Sales
There’s this myth in community banking…
It goes like this:
“Sales is hard. Sales is uncomfortable. It feels, well, salesy…”
If it feels like sales, you’re doing it WRONG!
Sales is, more than anything else about service.
You SERVE the customer by asking great questions, delivering deeper understanding and guiding them to the best possible solution for their specific situation…
Today’s video show you exactly how to do all of that…
But before you go watch it, you might just want to grab a new tool we just released…
It’s called the Team Selling Checklist and it’s for community banks who are making the shift to “team selling” (and you should).
Just don’t do it without reading this first (if you’re already heading down that road, you’ll absolutely want to grab it)…
Inside this 14 point checklist you’ll discover:
=> The secret “emotional intelligence” profile your team lead must possess (and the profile that will destroy your team, if you put THAT person in charge).
=> What 3 things you must do to give your team an “unfair advantage” over the competition…do this and your team will be unstoppable!
=> When to involve your executives to win BIG DEALS.
=> The secret to structuring your team…mess this up and you’ll REPEL clients, kill cross-sales and lose your best people…
More From The Blog
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.
The Dangers of False-Attempt Sales Training [VIDEO]
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.
Master the Four Levels of USPs [VIDEO]
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.