NIM
DOMINATION
How Elite Banks Crush Their Competition and Increase Margins While Competitors Whine About Interest Rates
THE FORK IN THE ROAD
Two banks. Same market. Same resources.
Two futures.
One waited…
and disappeared into the graveyard of “good enough.”
The other revolted.
It stopped tolerating excuses, installed a proven system,
and blasted its NIM past 5.0 while doubling profitability of its top clients.
It became extraordinary.
This book shows you how NOT to be the first bank.
Why Good Banks Keep Dying
And How the Top 5% Are Pulling Away from the Pack
Thirty years ago, America had 14,000 banks. Today, fewer than 4,000 remain.
Most banks disappeared because they waited for rates or clung to failed solutions.
Meanwhile, the top 5% installed a system that:
Pushed NIM beyond 5.0
—without waiting on rates.
Multiplied cross-sales to
7–8 per customer.
Secured their competitors’
most profitable customers.
They didn’t get there by luck. They got there by following a blueprint.
The Breakthrough Banking Blueprint™.
Now it’s your chance to see how they did it.
WHAT YOU’LL DISCOVER INSIDE
- The #1 reason good banks die—and how to avoid it.
- The Premium Pricing Playbook that adds millions without new customers.
- Why sales training fails—and what actually builds culture.
- How to poach your competitors’ Top 100 clients without touching rate.
- The mindset shift that eliminates excuses and creates elite advisors.
- The Performance Uprising™ system separating extraordinary banks from extinction.
READER-ONLY BONUS:
Along with the roadmap to crushing your competition, every copy includes a special reader-only discount for the
Breakthrough Banking Blueprint™ Bootcamp.
This advantage gives you the tools—and the savings—to dominate your market even faster.
Don’t just read it—live it.
PROOF FROM EXTRAORDINARY BANKS
Net Interest Margin Over 5
Over the last decade, using the blueprint Roxanne shares, we have more than doubled assets while becoming very profitable.
We ended 2018 with a net interest margin over 5 and ROA over 2.
— P. Steele
Bottom to Top NIM Quartile in 2.5 Years
Net income has grown 50% over last year... in less than one year with The Emmerich Group.
I belong to a bank CEO group where they point out what is wrong—I already knew what was wrong—I just didn’t know how to fix it.
The Emmerich Group has the solutions—they are the “real deal.”
— R.L. Harmon Jr.
YOUR BLUEPRINT AWAITS
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ABOUT THE AUTHORS
Roxanne Emmerich
Roxanne Emmerich is the founder and CEO of The Emmerich Group and the creator of the Breakthrough Banking Blueprint™, the proven system used by top-performing community banks across the country to raise NIM, command premium pricing, and triple cross-sales.
She is also the founder and chair of the Institute for Extraordinary Banking™, home of the Banky™ Awards —now in their 11th year—celebrating and recognizing the very best banks in America.
Named a Distinguished Alumni by the University of Wisconsin, inducted into the Speaker Hall of Fame, and recognized as the National Speakers Association’s Philanthropist of the Year, Roxanne has taught at nearly every graduate school of banking in the U.S., preparing incoming CEOs on how to lead profitably and sustainably.
Beyond her consulting and thought leadership, Roxanne invests directly in banks with her team of enlightened investors in the Performance Advantage Fund. By combining capital infusion with her proven transformation blueprint, she enables banks to accelerate performance, remain independent, and thrive at levels they never thought possible.
Her work has helped hundreds of banks escape commodity pricing, achieve extraordinary profitability, transform their culture into a ‘Thank God It’s Monday’ culture, and become enduring leaders in their markets.
Shaun Heuerman
Shaun Heuerman is Senior Vice President at The Emmerich Group. With over a decade in community banking, Shaun served as a community bank executive who implemented The Emmerich Group’s systems and processes firsthand as a past client—experiencing their transformative impact.
That experience fuels his passion for helping banks today. He has since guided executive teams across the country to increase their net interest margin, create accountability cultures where people know how to win and love what they’re doing, and shift their bankers from order takers to trusted advisors.
ABOUT THE EMMERICH GROUP
The Emmerich Group is the nation’s premier firm for transforming community banks into high-performance, high-profit institutions.
Clients routinely:
- Tripled cross-sales, almost without exception
- Lifted NIM by 100-150 basis points —even in rate-sensitive markets
- Doubled assets while protecting independence
We don’ train. We transform.
And the results speak for themselves.
PROOF FROM EXTRAORDINARY BANKS
Increased 40 Basis Points
Our net interest margin is now over 5.0, an increase of over 40 basis points in the past year. Our three-year goal for net income was realized in the first year working with The Emmerich Group.
I can attribute over $47 million of additional revenue because of The Emmerich Group.
— C. Floyd
Grown 66%, Achieved 37% ROE, and Increased NIM to 5.7%
Before The Emmerich Group, we were a really good bank with great numbers. Now, after a few short years, we have grown 66%, achieved a 37% ROE, increased our net interest margin to 5.7%, and just hit the second-highest culture score in the nation. I could not be more pleased.— C. Burson
YOUR NEXT MOVE
Every day you wait, margins bleed.
The time to act is not tomorrow. It’s now.
Choose action. Choose extraordinary.