Robert Sims

Deposits are flowing out of traditional institutions and into digital disruptors like Apple, SoFi, and stablecoins, so how can community banks and credit unions stay competitive? Robert Sims brings a compelling answer rooted in decades of experience—and heart. With a career spanning small institutions to national banks, plus a background in entrepreneurship, microlending, and consulting,  

Robert reveals the overlooked, underserved market segments sitting right in front of us—communities with limited access to financial services but strong potential to grow deposits. Using real-world examples, he outlines how banks and credit unions can expand their funding sources, improve liquidity, and do good while doing well. From offering business lines that require little overhead to investing in financial literacy and inclusive lending, Robert shows how reaching the unreached isn’t charity—it’s a smart, strategic move for long-term sustainability. Get inspired to: 

• Acknowledge and address current threats and competitors siphoning deposits from traditional institutions 
• Evaluate alternative funding sources and low-cost business opportunities to improve your institution’s liquidity ratio  
• Look outside the traditional deposit strategies to align mission-driven service with bottom-line results 
• Engage underserved communities to grow deposits and loyalty, while making a difference