Healthy Dissension: Eliminate Toxic Disagreement Before It Erodes Your Culture
Toxic disagreement is silently eroding your culture. Discover how top bank leaders turn conflict into performance—without the damage.
Welcome to the Top 5 Percenter™ Blog
Do you believe this?
For the last 18 months I’ve been “eavesdropping” on conversations at community banking conferences and what I’ve heard is shocking…
Bankers are being lied to…
And some are believing these “false truths”…
The history books are filled with common—accepted—beliefs…truths…
That aren’t true…
‘The world is flat…”
“The Earth is the center of the universe…”
“Bigfoot is real…”
“Premium rates only come on high-risk deals…”
In today’s video, I’ll reveal the three ‘lies of banking’ debunk each one, and show you how to escape them all…
To get the complete blueprint used by over 300 community banks to escape the “lie” that premium prices only come with high-risk deals…and instead, start getting a premium from A+ quality credits…and ONLY work with high-profit, A+ credits…
Request your free copy of my latest book, The Net Interest Margin Solution
“We never even dreamed we could get a net interest margin over 6.0. We increased net interest margin by about 100 basis points in just one year. It’s just like you said–the A+ credits now bring in A+ credits…and they don’t expect us to match pricing.”
—K. Beckemeyer, CEO, Legence Bank
More From The Blog
Banish the Culture Ghosts Sabotaging Your Bank’s Performance
Most banks tolerate toxic behaviors longer than they should. Discover how “culture ghosts” sabotage performance—and how to eliminate them for good.
Drama Detox: The Leadership Move That Eliminates Gossip and Ignites Results
Gossip and blame quietly destroy performance in many banks. Discover how leaders eliminate workplace drama and create a culture where top performers thrive.
The Real #1 Motivator at Work (It’s Not Pay)
Most executives assume pay motivates employees most. Research shows the real driver is daily progress—and leaders who define it unlock higher performance.
Stop the To-Do List Madness: Use Behavioral Economics to Drive Bank Profitability
Most banks reward activity. High-performing banks reward profitable activity. Discover how behavioral economics reshapes execution and margin.
Accountabilibuddies: The Missing Link to Real Bank Performance
Most banks say they want accountability. Few build it. Discover how to create mutual accountability that strengthens culture and improves performance.
Profit connect: Tie every team member to measurable bank profitability
Most bank employees believe they’re top performers. Discover how to align every role to measurable profitability and eliminate hidden performance drag.
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.
Why Your Team Can’t Charge Premium Pricing—And How It’s Killing Your Legacy [VIDEO]
Premium pricing isn’t a tactic—it’s a mindset. When belief is missing, margin and legacy are at risk.
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.