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Your bank has the people. What it's missing is the integrated system that moves strategy, culture, sales process, and NIM simultaneously. That's exactly what we've built, tested, and delivered across hundreds of community banks for 30+ years.
"Over the last decade as an Emmerich Group client, we have more than doubled assets while becoming very profitable. We look like we'll end the year with a 5 NIM and a 2 ROA. Record year for earnings and growth."
You have talented people. You have genuine intention. You have a real desire to lead. What your bank is missing is the single integrated system that converts all of that potential into documented, measurable, top-5% results.
This system is built for community banks with $200M–$8B in assets and a CEO personally committed to change.
When your lenders believe the only path to a deal is cutting rate, the real problem isn't the market — it's a broken sales culture. Every "we can't get that price here" calcifies into permanent NIM erosion. The remedy isn't motivation. It's a system.
You can win a deposit with a rate special. You cannot win loyalty. The moment your rate drops, your "customers" vanish. Elite banks attract low-cost, sticky deposits with a proprietary system that has nothing to do with rate — and your competitors haven't figured it out.
2.1. 2.4. 2.7. The number ticks up slightly each year and everyone feels good. There is a specific, diagnosable leak somewhere in your sales conversation — and until someone finds and fixes it, you'll never reach the 8, 10, or 12 that elite banks achieve consistently.
The gap between a good bank and an extraordinary one isn't talent. It's the performance architecture — the accountability system, the culture scaffolding, the metrics that make high performance the path of least resistance rather than the heroic exception.
The leaders of America's highest-performing community banks share exactly what happened — in numbers — when they installed the Emmerich system.
Valley Bank of Commerce. Dream First Bank. Builtwell Bank. Farmers State Bank. Security Bank. Five of America's highest-performing community banks in one unscripted conversation.
When culture becomes a profit driver, every number on the P&L follows. Cody Burson achieved 3.77 ROA and 29.71 ROE — not by chasing rates, but by building something competitors couldn't replicate. The sequence, the decisions, the results.
100% close rate for three consecutive months. 10+ top prospects closed at premium pricing. $47 million in added revenue and a 4.64% NIM. Chris Floyd cracked the sales system that makes rate irrelevant — and here's every step of how he did it.
Deposits from $175M to over $300M. NIM from 4.19% to 5.7%. Net income from $1.2M to multiple years exceeding $6M. Charles Holland transformed every line on the P&L — and the culture score that made it all sustainable.
189% cross-sales growth. A 6.22 culture score that COVID couldn't dent. Keith Knudsen explains exactly how a culture shift becomes a permanent revenue multiplier — and why most banks get a one-quarter spike instead of what he built.
A rural bank shouldn't be able to double in size, cut headcount by a third, achieve a 2.0 ROA, and earn a top-workplace award — simultaneously. Nevin Grigsby and Jill Moss did all four. Here's the complete transformation story.
Adjust the sliders. See the annual profit impact of moving your key metrics to where The Emmerich Group's clients consistently arrive.
Illustrative estimates based on documented client results. Actual results vary. Full analysis on your private strategy call.
From the CEOs Who Reached Top 5% — and Stayed There.
"We achieved a NIM of 6.4%, an ROA of 4.25%, and an ROE of 34.14%. These numbers were unimaginable before we installed the Emmerich system."
"Over the last decade as an Emmerich Group client, we have more than doubled assets while becoming very profitable. We look like we'll end the year with a 5 NIM and a 2 ROA. We had a record year for earnings and growth"
"Our NIM has increased by a little over 200 basis points by having those low-cost deposits. We were in the low 3s. We are now consistently in the mid-5s even with banks seeing margin compression."
"When I started, we had 60–70 employees; today we've doubled our size with a third-less team members — not because of layoffs, but because we learned how to hire well."
"The real progress on the margin is on the deposit side. We have the second lowest cost of funds of any community bank in Utah. And even though rates have moved up, we’ve managed to keep customers."
"Within 30 days of our Kick-Butt Kick-Off, we grew more than we had in the previous 10 years combined — 35% annualized in 30 days! The growth can only be described as a miracle and the profits were up 44%."
"We had two individuals who took the Accredited Banking Professional™ course and, while 'practicing,' brought in $20M in deposits — $15M of which were low-cost deposits."
"Since joining The Emmerich Group, our deposits are up 22%, our customer satisfaction is 9.90 out of 10, and we are experiencing our most profitable year on record. Best investment we've ever made."
"Core deposits up from $182M to $263M, assets from $256M to $422M. Non-interest-bearing deposits grew 34% in year one, 36.8% in year two, and 26% in year three. This has exceeded even our lofty expectations!"
"We followed the process step by step — and grew deposits $28 million in 12 months without adding staff."
"Before Roxanne, we couldn't have defined a cross-sale beyond a dictionary entry. Now we're averaging 11 and pushing 12. It's amazing to have a real number we're proud of."
"Loans up 34%, assets up 21%, +60 BPS to NIM — but the really dramatic change: we tripled cross-sales from 2.9 to 8.4 on average across the bank — the ultimate vote of trust from our customers."
"We increased cross-sales from the 2s to in excess of 5 on average, with some banks well in excess of 7. We increased cross-sales across all 29 branches by 297%."
"When we started 20 years ago, our cross-sell ratio was barely trackable — around 1.5. Today, after growing to 35 offices and 350 employees, our relationship ratio is over 7. It's exciting to see how far we've come over two decades."
"In just two months, we increased cross-sales from 3 to 6.89 using your process. This really works."
"We just hit the top culture score of anyone in the nation this year. On a seven scale, we hit a 6.43 — and every year since 2014, we have increased that."
"When we onboarded The Emmerich Group in 2017, it was a toxic work environment. Our culture score jumped from 4.7 to 6.2! The Emmerich Group helped us build our standards, culture, and values."
"We were a disaster. People quit saying it was toxic. Then we attained the second-highest culture score in the country. ROA went from 2.0 to over 4.0."
"Our culture scores over a 10-year period have been consistently between 6.09 and 6.24 every year! Thriving through challenges is exactly why we have this long-term relationship with The Emmerich Group."
"It was ranked #1 by Forbes for client experience out of almost 6,000 banks. We were shocked when we got the #1 rating."
"If you told me we could open 300 new relationships in 12 months in that small market that we dominated, I would have said you were crazy."
"In the last three years, the Blueprint has helped us achieve a breakthrough we never dreamed possible. Assets up 44%, loan growth up 64%, net income doubled — AND we were ranked #2 by SNL for banks under $1 billion."
"Our loan growth was up $100 million in less than five months during the heart of a recession, while we improved loan quality. Return on equity increased from 7.18% to 10.44% in a year. Net interest margin increased from 3.63 to 3.95% in a year."
"After learning the Emmerich sales process, it's become much easier to land the next $5 million deal. The sales process has helped us close our Top 100 opportunities at very profitable margins."
"We landed a $10M loan, the biggest we've ever had. Couldn't match the other bank's rates — but we won the business because of the personal service we gave them."
"That first Super Conference was a game changer. It completely shifted how we thought about what was possible."
"Roxanne Emmerich delivers challenging, insightful, and genuinely impactful training. If you leave a session with Roxanne and don't feel ready to conquer the world, you did something wrong."
"Permission to Be Extraordinary were the two best days of my life other than the days I got married and had my children."
"We've been part of the Super Conference for over 10 years, and every single year we discover new insights. It's the collaboration with other banks that turns obstacles into opportunities."
"I stopped going to most bank CEO conferences — they're talking about things you taught us almost 20 years ago as if they are new ideas."
Before strategy, you need an honest diagnosis. These tools give you the data that other firms don't even know to look for — because they aren't working every performance lever in your bank.
Where does your bank actually stand against the top 5% of your peers? This analysis shows you the specific gap — metric by metric — between where you are and where you need to be.
The same survey that took Valley Bank of Commerce from 2.0 ROA to 4.0+. Benchmarked against thousands of community banks. You'll know exactly where you rank nationally.
What does a top-performing loan officer look like on the inside? What about a branch manager — or a CEO?
Most banks hire on experience. Elite banks hire on EI.
We've mapped the emotional intelligence profile that predicts top performance across 110 banking positions — and you can see exactly where every role in your bank stands.
REQUEST THE EI POSITION GUIDE →Over 30 years, Roxanne Emmerich has distilled the science of top-performing community banks into a body of work banking executives call essential reading. Each book is a toolkit — not theory.
Other programs attack one problem and leave three others untouched.
Our process is sequential, system-driven, and proven across hundreds of banks over 30 years.
CEO + one executive. Complimentary. We identify your single highest-leverage constraint and build a targeted battle plan — whether or not we work together. No pitch. No pressure. One concrete action item guaranteed.
Using our proprietary cNote™ system, we map every step of your transformation — tailored to your bank's assets, culture, market, and goals. No templates. No off-the-shelf prescriptions. Every plan built from scratch.
We act as your extended executive team — training, installing systems, holding people accountable, and course-correcting in real time. Not a report that sits on a shelf. An embedded partner that delivers results.
Most clients reach top-quartile in 3 years and stay there. The system adapts as markets shift. Results compound. Your bank becomes the one competitors study, fear, and imitate — usually too late.
Unlike firms that fix one thing and destabilize three others, every Emmerich Group program is engineered to move all four performance drivers simultaneously.
Are you interested to find out how the most elite community banks in the country, those that set the bar and consistently perform in the top 5 percent of their peers on almost every measure?
Find out more about our flagship program.
What if you enjoyed a 90% close rate on your competitor’s best customers and brought over the entire relationship?
What if you could command at least 150 basis points more on every loan and consistently pull in 7-figure business checking accounts?
That’s why many banks who went through this program refer to their Accredited Banking Professionals as "Super Bankers."
What if your customers told your people, "You’re the only banker I’ll ever want"?
Forget brand awareness—you need brand insistence. That comes from 10X-ing your game in terms of skills.
One CEO shared, "I have been serving clients for 30 years, and found out I only had about 5% of the knowledge I needed to really help them. Wish I had this for my whole team years ago."
Let’s face it: nobody ever feels fully prepared to run a high-performing bank. The scariest executives are the overly confident ones—as Andy Grove proclaimed, "Only the paranoid survive."
This program is about getting your leaders aligned so that they know precisely how to rally their teams in the same direction.
Discover how to decrease the drama, conflict and low performance– the friction that keeps execs from fulfilling their legacy.
Success leaves clues. With 30+ years of proven results from the highest-performing banks in the country, we provide a clear, detailed roadmap to help you achieve the same level of success.
With the Management Development Certification™ Program, you can expect an 80-90% increase in efficiencies across your managerial team by the second year in the program. When they understand how to track each team members’ efforts, and how they tie directly to profits, they are empowered to make decisions that boost your bottom line immediately.
High-performing companies require high-performing team members. In a world where traditional HR hiring tricks are increasingly ineffective—and with fewer quality candidates and more financial institutions competing for them—you’ll need to bring your A-game.
You’re not just hiring candidates—you’re attracting ‘Rock Stars’—people who are passionate about your organization, aligned with your mission, and committed to fast advancement as your company aims for even greater heights.
It’s time to hire Rock Stars.
Roxanne Emmerich didn't build her system in a university. She built it in the field — running a de novo bank that set records for growth and profitability, founding two institutions, and spending 30+ years embedded inside the boardrooms of community banks facing every challenge you face right now.
She saw what separated the extraordinary from the average — and it wasn't talent, market, or timing. Her approach addresses every lever in your bank's performance engine — deposits, margins, culture, leadership — until the numbers move and stay moved.
Her books are read by thousands of bank executives. Her clients get results that other consultants use as benchmarks. Her conferences are the ones other conferences copy — a decade later.
We work with banks at every stage — including ones that felt like they'd run out of options and those that are
already top of peers but want to get better. What we require is a CEO who is genuinely committed to top-5% performance.
Not Interested. Committed.
Complimentary for qualifying banks · CEO + one executive required
Every Emmerich Group event is engineered to deliver more actionable intelligence per hour than any banking conference you've attended. No keynote fillers. No vendor booths. No soft outcomes.
A private gathering for executives who refuse to plateau. Not a conference — a closed-door mastermind for leaders already extraordinary who intend to stay that way. Open to all serious banking executives.
For elite, results-obsessed community bankers who refuse to settle for the top 10% when the top 5% is achievable. The Banky™ Awards. Handpicked speakers. Two days that redefine your next decade.
A 2-day deep-dive for bank leaders ready to eliminate rate-matching, grow low-cost deposits, and install the proven blueprint. Your bank mystery-shopped before you arrive — day one begins with real intelligence.
Watch free. Take notes. Implement immediately. Three focused master classes on the exact topics costing community banks the most. No obligation. No pitch.
How to move from the 3s to the 5s — and hold it. Premium pricing psychology, deposit structure, and the seven conversations that eliminate rate matching permanently.
The system behind 34% non-interest bearing deposit growth in year one — and how to replicate it in your bank's specific market, regardless of your competitive environment.
Valley Bank of Commerce: toxic to the second-highest culture score in the nation — and a 6.4% NIM. The sequence, the tools, the accountability system that makes culture stick.
Are you tired of preaching to your team about low-cost deposits? What if there was a far more effective way of acquiring them on a consistent and predictable basis? 87% of your customers lose you money and that should keep you up at night.
Learn More About Deposits →Have you, like thousands of banks, tried sales training and had the same sorry result – exactly ZERO improvement in sales, or a quick bump, but no long-term stickiness to the gains? You’re not alone. You don’t have a sales problem. You have a confidence problem. Imagine you could quickly grow loans with even better clients and get paid a premium on every new loan.
Learn More About Loans →Desperate competitors offer crazy rates. Just because they’re willing to jump off the profit cliff to certain death doesn’t mean you have to risk your very existence to match rates. Imagine that you can attract the best quality loans at extreme premium pricing and get all their business. It’s time to stop imagining. Join the top performing banks as a TOP 5 PERCENTER™.
Learn More About NIM →What if you could convert your order-takers and product sluggers into indispensable guides that become the go-to resource for your most affluent customers? What impact would that have on both your culture and your revenues?
Learn More About Cross Sales →75% of American workers think they perform in the top 10% at their company or in their field. 68% think that they work harder than their cop-workers. At the same time, 84% believe that accountability builds a positive work culture. What are you doing to build yours?
Get The Research →Too many bank strategic plans completely miss the boat. They are simply a list of to-dos with no system to drive accountability or implementation and results. Successful bank strategic plans integrate the movement of your key needles: cross-sales, loan to deposit ratio, net interest margin, efficiency ratio, and cost of funds. Discover how our elite member banks do this every year with a 1-page strategic plan that clearly ties every employee to their contribution to profit.
Learn How →During your private strategy call with a senior Emmerich Group advisor, you'll identify exactly what's keeping your bank out of the top 5% — and leave with a specific, actionable plan to close the gap.
Members: (952) 820-0360 · Non-Members: (952) 737-6730 · CEO + one executive required for complimentary session
