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.
Welcome to the Top 5 Percenter™ Blog
Cross-Sales…Its Sad State of Affairs
Truly depressing really…
Imagine if you came to work for two decades…busted your hump and looked back over your 20-year career, only to discover you’d made absolutely no progress.
What a waste…
That’s exactly what our beloved industry can do right now.
Turn around and reflect on the last two decades…and realize that as a group, no progress has been made in cross-sales success.
Not a lick!
For decades the industry average has hovered around a too-low-to-admit-publically 2.2 cross-sales per new account.
So, on average, banks are capturing just 1/8th of the relationship with each new customer.
ONE-EIGHTH!!
For those that don’t fix it (and fast) there are three real, and “right now” dangers you’d better brace yourself for (more on those in today’s video).
And if you’re not AVERAGING 5, 6 or 7 (across the bank), the best time to fix that would have been yesterday…the next best time is TODAY. Jump on our newest online masterclass and I’ll show you how our client banks are systematically doubling cross sales (on average) across the entire bank.
More From The Blog
Stop Matching the Competition [VIDEO]
Rate matching drains margin. Install USPs that matter, differentiate, and promise explicit benefits—so buyers pay more without a price match.
Your Team Selling Checklist [VIDEO]
Tag-alongs aren’t team selling. Use this checklist to assign roles, split first vs. second call objectives, and run the pre-call prep that produces 85–90% close rates on top-100 prospects.
How Community Banks Deliver WOW Customer Service [VIDEO]
Most banks deliver “pretty good.” That’s not loyalty. This episode reveals a 3-step execution system—blended learning, measurement, coaching, and celebration—to engineer daily WOW service that sticks and grows deposits, margin, and community pride.
The Silent Profit Killer: How to Stop Rate Matching and Take Back Your Margin
Roxanne Emmerich exposes the hidden flaw in your strategy that’s quietly destroying net interest margin — and the proven path to take back your pricing power.
The AI Wild West
AI isn’t coming—it’s already here. Discover why most bank roles are now obsolete, and what your team must become to survive.
Your Plan Won’t Save You in a Merger—But This Will
Your plan won’t save you. A strategic planning system designed for high-stakes execution will. Here’s how top community banks avoid merger collapse.
Why Culture Cannot Be Delegated
Most banks pretend that culture can be delegated. Wrong. Elite banks weaponize culture as their profit engine. Here’s the system CEOs can’t ignore.
The Strategic Planning Lie That’s Keeping Banks Mediocre
Roxanne Emmerich exposes the toxic lie behind most strategic plans—and the second-order thinking top banks use to pull away from the pack.
What Boards Miss That Can Tank a Bank
Your boardroom may be your biggest blind spot. Discover how elite banks fix strategy at the Breakthrough Banking Blueprint™ Bootcamp.
