John M. Floyd & Associates (JMFA) is a leading provider of profitability and performance-improvement consulting. For more than 35 years, JMFA has been recognized as one of the most trusted names in the industry, helping financial institutions enhance their bottom line. JMFA is recognized for earnings enhancement and expense control programs, training and leadership development, recruitment services, strategic planning, as well as product, service, pricing and technology-improvement consulting. Simply stated, JMFA’s programs and services are designed to increase income or reduce expenses. JMFA is proud to be a preferred provider among many industry groups.