
45 Pearl Court, Davies, Iowa   ―   512.555.3345   ―   turnerj5255@yahoo.com 
ROBERT M. TURNER 
CHIEF EXECUTIVE OFFICER & PRESIDENT 
―  Maximizing Revenue, Liquidity, & Earnings While Dampening Costs  ― 
PROGRESSIVE BANK CEO & CATALYST FOR LASTING, SIGNIFICANT PROFITS 
■■■ 
Cultivating Ties with Boards, Customers, Regulators, Employees, & Community 
Strategic community banking leader recognized for sweeping 
improvements to efficiency, product development, and marketing, with 
oversight of $860M in deposits and loans, plus $140M investment portfolio. 
Trusted Board advisor conceptualizing and creating revenue opportunities 
by leveraging “Main Street Bank” theme. Champion for significant expansion 
including 6 new branches (from $500K–$2.2M) generating $45M+ deposit 
growth and 12,000-square-foot, $1.2M operations facility. 
Respected banking industry official skilled in attaining peak deposit levels, 
stabilizing operations, addressing volatile regulatory requirements, and 
topgrading product offerings to deliver optimal ROI. 
AREAS OF EXPERTISE 
Leadership Development 
Market Research 
Product Development 
Regulatory Compliance 
Marketing Campaigns 
Asset Liability Oversight 
Risk Mitigation 
Change Management 
Board Collaboration 
Facilities Expansion 
Customer Engagement 
  
“Robert has an open style that 
creates productivity, yet requires 
accountability at every level.” 
― Board Member, HSM Bank 
“A gifted leader of people… Robert 
always faced any situation, no matter 
how difficult, with openness, 
honesty, and integrity.”  
― AVP & Director, HSM Bank 
“Robert took the reins of our 
association to drive much-needed 
change.” ― VP, Iowa Association 
of Community Bankers 
“As a colleague, I have long noted 
Robert’s ability to lead by example 
and with passion… an individual of 
great integrity and commitment to 
his community and his customers.” 
― VP, Midwestern Bank 
EXECUTIVE PERFORMANCE BENCHMARKS 
  51% first-quarter 2009 earnings increase from process improvements that slashed $700K in costs. 
  Administration for $550M in assets and $5.2M net profit representing 630% growth over tenure. 
  60% rise in Primary/Secondary Liquidity to $100M, improving regulatory perception of bank stability. 
  Increased profit ($4.6M decrease in cost of funds)—even with economic pressures and declining rates. 
  Workflow and technology efficiencies placing bank among the forefront in electronic offerings. 
PROFESSIONAL HISTORY 
HSM Bank Corporation (HSMBC), Davenport, Iowa  ■  1985 – 2009 
Chairman, President, & CEO, 2007 – 2009 
President & CEO, 2003 – 2007 
EVP & Retail Banking Officer, 2001 – 2003 
SVP & Retail Banking Officer, 1991 – 2001 
Helmed bank throughout periods of industry change and growth, leading 7-
member Board of Directors and spearheading profitability by designing 
customer-centric products, limiting expenses, and identifying areas of 
opportunity. Oversaw and led improved compliance, internal/external 
alliances, asset management, regulatory relationships, performance, 
security, and PR. Managed 16 direct and 175 dotted-line reports. 
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1985 1996 2005 2009