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ACQUIRE OR BE ACQUIRED · FEB 1–3, 2026

Let's talk about leveraging data to drive growth and performance.

Attending AOBA 2026? Visit OptimaFI at Booth #55 and
we’ll make a donation to the charity of your choice to say “thank you!”

Bank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank Independent
BankPlusBankPlusBankPlusBankPlusBankPlusBankPlusBankPlus
Community Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit Union
First South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South Financial
First State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank Nebraska
Georgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit Union
Greater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit Union
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Legends BankLegends BankLegends BankLegends BankLegends BankLegends BankLegends Bank
Logan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnion
Maspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal Savings
MaxMaxMaxMaxMaxMaxMax
National Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital Bank
New Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century Bank
One Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida Bank
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Peoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples Bank
Prospera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit Union
Sauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley Bank
Security State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of Kenyon
Signature BankSignature BankSignature BankSignature BankSignature BankSignature BankSignature Bank
The Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk River
Ukranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian National
Universal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logo
Cambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings Bank
EWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit Union
First Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit Union
Library of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit Union
On Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit Union
Weokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit Union
Bank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank Independent
BankPlusBankPlusBankPlusBankPlusBankPlusBankPlusBankPlus
Cambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings Bank
Community Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit Union
EWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit Union
First South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South Financial
First State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank Nebraska
First Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit Union
Georgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit Union
Greater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit Union
ICBAICBAICBAICBAICBAICBAICBA
Legends BankLegends BankLegends BankLegends BankLegends BankLegends BankLegends Bank
Library of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit Union
Logan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnion
Maspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal Savings
MaxMaxMaxMaxMaxMaxMax
National Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital Bank
New Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century Bank
One Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida Bank
On Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit Union
PCBBPCBBPCBBPCBBPCBBPCBBPCBB
Peoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples Bank
Prospera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit Union
Sauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley Bank
Security State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of Kenyon
Signature BankSignature BankSignature BankSignature BankSignature BankSignature BankSignature Bank
The Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk River
Ukranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian National
Universal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logo
Weokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit Union

ABOUT OPTIMAFI

We turn data into confident decisions for 2,500+ clients.

OptimaFI helps community financial institutions strengthen performance with clearer data, practical guidance, and solutions built for the realities you face every day.

Our solutions are built to help you...

  • Grow using data to identify the right households, engage them with the right offers, and build deeper, longer-lasting relationships.
  • Sustain strong credit quality and stay exam-ready with always-current peer data, credit analytics, and CECL-ready reporting.
  • Profit by lowering funding costs, reducing manual work, and uncovering opportunities hidden in your balance sheet.

GIVING BACK

A good cause worth stopping for.

We’ve partnered with Goodness Giveaway to offer a different kind of booth experience. When you stop by and chat with us, we’ll make a donation to a charity of your choice on your behalf.

How it works:

  1. Visit OptimaFI at Booth #55 (near General Sessions)
  2. Receive a postcard with a QR code
  3. Scan and select any registered U.S. charity
  4. We make the donation on your behalf!

The donation is not contingent on anything beyond a quick conversation (no hard sales pitch, we promise).

How OptimaFI helps community institutions optimize performance.

Our solutions keep your institution growing, profitable, and compliant, with adaptable growth, balance sheet management, and credit risk management solutions that support your team year-round.

Growth

Drive sustainable growth & profitability

Use data-driven insights to identify opportunities, improve pricing, and support smarter expansion.

Credit Risk

Strengthen credit risk management

Build resilient credit processes, stress-test effectively, and align risk strategy with growth goals.

Balance Sheet

Optimize both sides of the balance sheet

Navigate interest rate volatility, liquidity planning, and performance tradeoffs with confidence.

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“In a nutshell, the time savings and sharper insights OptimaFI gives us provide more focused information to help us make better strategic decisions.”

Cindy Cheng

SVP & CCO
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Peoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples Bank

“I give OptimaFI high marks. They use our language and speak to the metrics we compare ourselves to. It's the easiest way to find out what other banks are doing in one or two clicks.”

Jon Drake

Senior Executive VP & CFO
Peoples Bank

“OptimaFI is a key partner in driving measurable results. Their tracking report is better than anything else we’ve seen.”

Daniel Davidson

Executive VP & COO
Alliance Catholic Credit Union

“Instead of going at this alone, we get the added insight and resources of a proven expert in our specific industry.​”

Katie Grover

SVP of Marketing
Fidelity Bank

The new home of Infusion Marketing Group,
QwickRate, and IntelliCredit.

You may already know us through the solutions you’ve relied on for years. By bringing together proven solutions under one brand, OptimaFI helps leaders achieve deeper insight, tighter alignment, and a more seamless experience across growth, credit risk, and balance sheet management.

QwickRateQwickRateQwickRateQwickRateQwickRateQwickRateQwickRate
IntelliCreditIntelliCreditIntelliCreditIntelliCreditIntelliCreditIntelliCreditIntelliCredit

Talk strategy with the people who build it.

Meet some of the leaders behind OptimaFI and have a real
conversation about growth, credit risk, and financial performance.

Tim KeithTim KeithTim KeithTim KeithTim KeithTim KeithTim Keith

Tim Keith

CEO

Tim Keith is CEO of OptimaFI with 30+ years of experience in banking, marketing, and growth strategy.

David RuffinDavid RuffinDavid RuffinDavid RuffinDavid RuffinDavid RuffinDavid Ruffin

David Ruffin

President, Credit Risk Solutions

David Ruffin is President of the OptimaFI Credit Risk Solutions division, bringing decades of experience in credit risk management to help institutions strengthen their credit processes and culture.

FinXTech Session

Want to learn more about harnessing the power of data for your FI? Join Tim’s session:

Leveraging Data for Growth
Sunday, Feb 1, 2:15 PM–2:50 PM

View Agenda

Breakout Session

Discuss preparing for periods of weaker credit performance with David and Raleigh Green, VP of Credit Risk Management at Bank Independent.

Strengthening Credit Resilience: Processes, Contingencies and Culture
Monday, Feb 2, 11:25 AM–12:05 PM

View Agenda

Trevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor Knott

Trevor Knott

CRO

Trevor Knott is Chief Revenue Officer at OptimaFI with 25+ years of experience in banking, sales, and financial services growth.

Rick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick Claypoole

Rick Claypoole

COO & President, SaaS Solutions

Rick Claypoole brings more than 30 years of experience in banking, marketing, product management, and risk strategy.

Tim KeithTim KeithTim KeithTim KeithTim KeithTim KeithTim Keith

Tim Keith

CEO

Tim Keith is CEO of OptimaFI with 30+ years of experience in banking, marketing, and growth strategy.

FinXTech Session

Want to learn more about harnessing the power of data for your FI? Join Tim’s session:

Leveraging Data for Growth
Sunday, Feb 1, 2:15 PM–2:50 PM

View Agenda

David RuffinDavid RuffinDavid RuffinDavid RuffinDavid RuffinDavid RuffinDavid Ruffin

David Ruffin

President, Credit Risk Solutions

David Ruffin is President of the OptimaFI Credit Risk Solutions division, bringing decades of experience in credit risk management to help institutions strengthen their credit processes and culture.

Breakout Session

Discuss preparing for periods of weaker credit performance with David and Raleigh Green, VP of Credit Risk Management at Bank Independent.

Strengthening Credit Resilience: Processes, Contingencies and Culture
Monday, Feb 2, 11:25 AM–12:05 PM

View Agenda

Trevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor KnottTrevor Knott

Trevor Knott

CRO

Trevor Knott is Chief Revenue Officer at OptimaFI with 25+ years of experience in banking, sales, and financial services growth.

Rick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick ClaypooleRick Claypoole

Rick Claypoole

COO & President, SaaS Solutions

Rick Claypoole brings more than 30 years of experience in banking, marketing, product management, and risk strategy.

Stop by our booth and give back to a cause you care about.

You’ll find OptimaFI at Booth #55. Come say hello, meet the team, and talk through what’s top of mind for your institution.

As a thank-you for stopping by, we’ll make a charitable donation on your behalf — no strings attached.

Can't make it to AOBA
but still want to talk?

Talk to a Specialist