Dr. Ho, I want to thank you for the work you and your team at Thomas Ho Company ("THC") have done for us over the last

Randy Ford 
VP/CFO   Heritage Bank

I said this is the best model I have ever seen” Recently while attending a FHLB conference I overheard two bankers discussing ALM Models while they

John Gittings   
Executive Vice Chairman and CFO   Keystone Bank

We have been continuously impressed with Dr. Ho and his staff since we become clients in 2012. The systems THC has implemented for us are vastly

Kerry E. Neff   
President/CEO   Boonville Federal Savings Bank

Effectively managing today’s balance sheet demands evaluating a myriad of alternatives in order to create competitive advantages for Central Savings and its development team. THC’s services

Jeff Kosobucki
Vice President/CFO   Central Savings, f.s.b.