Net Interest Margin Book-Roxanne Emmerich

"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..."

—C. Floyd, CEO, First National Bank of Syracuse

JOB #1: CHANGE THE PRICING EQUATION

Higher NIM with LESS Risk? "YES!"
So, what is the solution? Take more risk? Has hiring more people to make more calls ever worked long-term? No, so why are so many community banks using the same broken strategy?

If you want to get the pricing you deserve for your bank, read this book:

"We landed a $10 million loan, the biggest we've ever had. The biggest success was not only getting the loan but that we were able to capture a floating rate in a rising rate environment."

—Nevin Grigsby, President & CEO, Farmers State Bank

“From about 2% loan growth to over 8%… yield on loans is as much as 1.4% higher than that of our local peer group...”

— K. Knudsen | President & CEO Security Bank, Past Chair of the Graduate School of Banking, Colorado; named 2017 Extraordinary Bank of the Year™ by the Institute for Extraordinary Banking™

"In the last year since we’ve been implementing what we learned, we’ve experienced more growth than in the previous five years combined! The growth of deposits and loans can only be described as a miracle and profits are up 44%!”

—P. Steele, President & CEO, First Volunteer Bank 2014 Extraordinary Bank of the Year

Enter your name and email address below to get instant access now!

"We landed a $10 million loan, the biggest we've ever had. The biggest success was not only getting the loan but that we were able to capture a floating rate in a rising rate environment."

“From about 2% loan growth to over 8%… yield on loans is as much as 1.4% higher than that of our local peer group...”

"In the last year since we’ve been implementing what we learned, we’ve experienced more growth than in the previous five years combined! The growth of deposits and loans can only be described as a miracle and profits are up 44%!”