Increasing Community Bank Competitive Advantage


  • ICBA strongly encourages community banks to identify and develop new sources of revenue, control costs, and maintain profitable investments in order to compete effectively and serve their communities.
  • Adopting new technology is critical to community banks’ ability to continue to compete successfully with large banks and non-bank lenders. ICBA encourages community banks to stay informed of developments in the fintech area in order to identity opportunities to provide their customers more efficient and effective delivery of community bank products and services.
  • Through the strength of member aggregation, ICBA provides, develops, and supports exclusive value-added products and services designed to enhance the competitive position of community banks.


Community banks must continue to expand product lines and seek new sources of revenue, as well as manage costs to compete and thrive in the current economic and competitive environment,. ICBA, through the Bank Services Committee, subsidiary boards and staff, identifies, researches and develops unique services and programs to help community banks retain customers, grow assets, and increase profitability -- ultimately increasing franchise value. ICBA Preferred Service Provider programs provide dividend, fee income, and discount programs for community banks in areas such as insurance, lending, compliance and bank operations, funding, financial management and payments.

ICBA Services Network, through its subsidiary service companies and divisions, ICBA Bancard & TCM Bank, ICBA Securities, and ICBA Reinsurance, provide community banks with credit and debit card programs, credit life insurance, investment opportunities for member bank portfolios and mortgage products and services.

More than 85 percent of ICBA members use an ICBA product or service from one or more of over 30 Preferred Service Provider programs and ICBA Services Network companies.

Staff Contacts: Gary Teagno