Free Retail DriftCheck for community bank leaders
Your branches are busy. Are they growing relationships?
Are they building relationships, or just processing transactions?
Find where retail growth slips between your strategy and the teller line. Get a scored report with the two places to look first.
Free. No email to start. About 8 minutes.
Your report
Sample. Fictional bank.
61 out of 100
Drift present
Look here first: Referrals44
Then: Leader coaching47
Official education partner of the Michigan Bankers Association
Built by Steve Lowisz, former director on two community bank boards.
You ask for relationship growth. Your team hears “sell more.”
Follow one customer from your strategy deck to the branch. Watch where what you asked for and what they actually get start to come apart.
- What you asked for
- What the customer gets
The strategy deck
Relationship growth. Deeper households. Responsible recommendations. Everyone in the boardroom agrees.
The teller line
Transactions get done, quickly and politely. Nobody asks what else is going on in the customer’s life.
The handoff
A referral starts strong at the window, then quietly disappears before it reaches the banker’s desk.
The manager’s week
Coaching gets bumped for the third week in a row. The numbers get reviewed. The conversations do not.
The network
Same bank, same Tuesday. The experience depends on who is working at which branch.
Main Street. Your best banker is in. The customer leaves with a plan. 
Elm Street. A new hire covers the window. The deposit is made. Nothing else is asked. 
Route 9. The referral slip goes in a drawer. Nobody calls. That gap is what the check measures.
You cannot coach a gap you have not named. And you should not buy training before you know where it is.
A straight read on where retail growth is drifting.
Sample. Fictional bank.
Overall drift score, sample bank
61/100
Drift present
Meaningful drift between retail goals, branch behaviors, and leadership follow-through. Training alone is unlikely to close it.
Area scores out of 100: Winning clarity 70, Branch brand 74, Service and value 66, Conversations 58, Referrals 44, Tools and confidence 70, Behavior standards 63, Leader coaching 47, Weekly reinforcement 55. Lowest: Referrals 44 and Leader coaching 47.
Look here first: referrals and leader coaching. Each risk area comes with what to try this month.
- Nine areas, 37 questions
- The gap between what the bank wants and what customers experience.
- Your drift profile
- Overall score, strongest area, and top risks.
- What to try next
- Practical moves for each risk area.
- Online now, PDF by email
- See results right away, keep a copy.
“Using Steve's training enabled our management team to break down complex topics of communication, trust and accountability, and find more wins with our team members and clients.”
Do not file the report. Bring it to Monday’s huddle.
Choose one gap
Pick one top risk area your leaders agree deserves a closer look this month.
Define a behavior you can see
Name something you could watch or hear at the window, not a slogan.
Review it weekly
Set ten minutes each week to check for it and decide what happens when it slips.
Another quarter of “we need to do better” is not a plan.
Free. No email to start. About 8 minutes.
Results are shown online, with a PDF copy by email. At the end, we ask for your contact and bank details to provide your results. Your results reflect one person’s perspective: yours. They are not proof of what customers experience across the bank, and they do not guarantee growth. Comparing team perspectives requires a separate team diagnostic. Please do not include customer names, account numbers, or confidential customer information in open-ended responses.