The nation's most experienced specialist

All location analyses, including the critical on-site fieldwork, are personally conducted and formally presented to the Board and/or senior management by Ken Thomas. When you work with K.H. Thomas Associates on a location analysis project, you get Ken Thomas from start to finish. Even after the project is over, Ken is available for no-cost telephone and e-mail communications for up to one year to discuss recommended locations and the execution of the recommended delivery system plan.


Kenneth H. Thomas, Ph.D. began his bank location consulting career in 1969 in Florida with one of the nation’s first financial institutions consulting firms. He worked there in 1969 and 1970 and was the Director of Financial Institution Studies.

He continued his work as a location consultant for financial institutions with another firm in Pennsylvania from 1970 to 1975 where he was an Officer and the Director of Research.

He formed K.H. Thomas Associates in Philadelphia in 1975 to continue his specialty in bank and thrift facility location analysis. The firm was relocated to Miami in 1987.

Having worked with hundreds of banks and thrifts on thousands of locations throughout the United States since 1969, Ken Thomas is the most experienced independent financial institutions’ facilities location consultant today. He has written numerous articles and made several speeches on this specialized topic in addition to being interviewed by most major banking and business publications. With his experience as a bank director, Ken has an appreciation for all aspects of bank operations.

Dr. Thomas was a Lecturer in Finance at the Wharton School of the University of Pennsylvania where he taught for 42 years and he received an Excellence in Teaching Award in 2001 and 2006. He received a B.S.B.A. degree with High Honors in Finance from the University of Florida; an M.B.A. in Finance from the University of Miami; and, an M.A. and Ph.D. in Finance from The Wharton School.