Because Community Banking Matters

We believe in the power of community banking and the unique role it plays in our local, state, and national economic systems.

For over 30 years, The Emmerich Group has guided hundreds of ambitious banks like yours to elite performance, long-term success, and sustainability—more effectively than any other industry advisor.

As one industry consultant said, “The problem with The Emmerich Group is that their results are SO GOOD, nobody believes them!

Roxanne Emmerich – The Farm Girl Who Redefined Banking

From a small dairy farm in Wisconsin to the heights of banking transformation, Roxanne Emmerich’s story isn’t just inspiring—it’s proof that grit, guts, and an unrelenting commitment to excellence can change everything.

She grew up milking cows and baling hay, with only $20 from her family to put toward college. But Roxanne didn’t let humble beginnings dictate her future. Working three jobs at any given time, securing scholarships, and refusing to settle for mediocrity, she carved a path that would redefine what’s possible for banks and their leaders.

From First to Foremost

Roxanne wasn’t just the first woman in the room—she was the first to transform it. She broke every glass ceiling along the way:

The first female agricultural lender in Wisconsin, tackling a field dominated by men with ease and results.

The first woman to lead financial planning for EF Hutton, where she mastered complex strategies others couldn’t touch.

The first woman to become president of her bank, leading one of the fastest-to-profit de novo banks in the country.

founding partner in two additional de novo banks, built from the ground up with vision and innovation.

Every role she stepped into wasn’t just a win for Roxanne—it was a revolution for how things got done.

Founder of the Institute for Extraordinary Banking™

For Roxanne, community banking isn’t just a profession—it’s a mission. That’s why she founded the Institute for Extraordinary Banking™, an organization laser-focused on ensuring community banks thrive.

Because as Roxanne says, “When community banking dries up, small businesses lose their lifeline—and America loses its heart and soul.”

The Institute provides banks with the tools, recognition, and strategies they need to dominate in their markets while keeping the backbone of America—its small businesses—alive and thriving.

Results That Matter: Leading Banks to the Top

Roxanne doesn’t dabble in theories or play around with good intentions. She delivers results that make leaders sit up, take notes, and take action. Through her leadership and the team at The Emmerich Group, she’s transformed more than 300 banks, taking dozens of them into the top 5% of performance.

This isn’t guesswork. These results are built on her Breakthrough Banking Blueprint™, a proven system that:

Aligns teams with profit-driving goals.

Turns organizational culture into a powerhouse of results.

Positions banks as “Best Places to Work”, attracting the best talent while dominating their markets.

Results you can expect:

Net interest margins up by 150 basis points.

Cross-sales tripled.

Teams operating at high-performance levels they never thought possible.

This is what happens when Roxanne Emmerich and her team are involved.

Where It All Began…

The Emmerich Group started 33 years ago with a single phone call. A local bank CEO asked our founder, Roxanne Emmerich, for help. The bank was struggling, and the CEO needed fresh thinking.

The results were immediate and undeniable.

The day after Roxanne’s intervention, the CEO called and said he was “giddy.” Customers who had banked with him for decades came in asking, “What happened? Everything feels so much better here!”

That CEO also served on the board of the Wisconsin Bankers Association and was so impressed that he told the board, “You need to have this kid come speak at the next bank CEO conference.”

And just like that, The Emmerich Group was born.

Since then, Roxanne has keynoted every major banking event and written several books that have become essential reading for the banking industry, including:

Thank God It’s Monday!
Profit-Growth Banking
The Net Interest Margin Solution
The Breakthrough Banking Blueprint™

What started as a single call for help has become the trusted partner for hundreds of banks looking to achieve extraordinary results.

Welcome to The Emmerich Group – Transforming Banks into Profit Powerhouses

At The Emmerich Group, we’re not here to dabble in mediocrity. We’re here to help results-oriented banks that aspire to dominate their markets and achieve elite performance.

Some banks come to us because they’re struggling to find their footing. But most come because they’ve done the math: every month they’re not in the top 5% of performance in all key metrics, and they’re losing millions in potential profits. Boards don’t want excuses—they want results. That’s where we come in.

Our proprietary cNote™ software and project management system chart every step of the way. This system creates a customized blueprint tailored to your bank’s unique values, markets, and “utopian goals.” You’ll see the exact course of implementation for aligning everyone and everything to profit and eliminating the expense and frustration of missteps. It’s precision planning that ensures measurable results.

Committed to the Future of Community Banking

At The Emmerich Group, we don’t just work with banks—we champion their mission. That’s where the Institute for Extraordinary Banking™ comes in, to establish the gold standard and ensure that community banks thrive.

As Roxanne says:
“When community banks win, small businesses flourish. And when small businesses flourish, America thrives.”

The Institute equips banks with the tools, recognition, and strategies they need to dominate their markets while fueling the backbone of the American economy.

Ready to Transform Your Bank?

The Emmerich Group is for banks that refuse to settle for mediocrity. We are for ambitious, results-oriented banks that aspire to be among the best—the most elite performing in the country. If you’re ready to stop leaving profits on the table and start achieving results that matter, it’s time to take action.

Ask yourself: If you were achieving top 5% performance in every key metric, what would the financial improvement be each month? How many months is your board willing to absorb the loss of not achieving those goals?

Apply today to join the select few banks that don’t just survive—they dominate.

TEG Programs

Interest Rates Way Up

“We were able to capture a floating rate in a rising rate environment. That was just as big a deal as getting the $10 million loan. Since then, interest rates have gone up 100 basis points. It’s the only floating rate that company has. We were able to negotiate that by making sure we stuck to your sales process and held tight…and it worked.”

M Scheopner

N. Grigsby

President, Farmers State Bank

Deposit Costs Down

We increased net interest margin from the 27th to 82nd percentile in the time we have been working with you. We drew the line in the sand about matching rates—that was huge. We drove our deposit costs down. I don’t think we could have come out of those tough couple of years without The Emmerich Group.”

M Scheopner

J. Burnett

Chief Executive Officer, Libertyville Savings Bank