The Firm

Originally founded as ProfitManagement by Bob Haynes in 1986, expanded services and territory prompted a name change to Karns Profit Improvement®

We are headquartered in Oklahoma but serve banks in a multi-state area. Owners, CEO’s and other executive managers of financial institutions have seen their profits grow as a result of our PROFIT REVIEWKPI analysis and recommendations. In order to meet the ongoing needs of our clients, we have expanded our services to include our personalized, full-service Vendor Management program created specifically for the financial industry, OPTIMIZEKPI, as well as our IT Contract negotiation services.

If you’re looking for practical ways to improve your core profitability, lower costs and improve risk management, give us a call to see if we are a fit for your financial institution.

Kelly Karns, President

Kelly is a third-generation banker and learned banking from the bottom up. He performed the duties of CFO and COO for 12 of his 20 plus years as a bank executive, including management of retail and private banking. He was part of an executive team that grew the San Antonio market from 1 to 17 locations through denovo branches and acquisitions. This provided the opportunity to gain extensive experience in revenue growth, cost cutting and organizational restructuring. His background also includes loan review, serving on the board of directors and executive experience in trust, investment, and insurance activities.

Kelly has a Bachelor of Science in Finance, an MBA and served in the US Marine Corps. He was an honor graduate of the Oklahoma Bankers Association Commercial Lending School and has held several securities licenses. Kelly serves on the faculty of the Executive Development Institute at the Graduate School of Banking Colorado and has previously served at the Southwest Graduate School of Banking. Outside of banking, Kelly served as controller for a publicly traded distribution company and has taught as adjunct faculty for several universities.