| Independent Community Banks |
| Community banks focus attention on the needs of local families, businesses and farmers. |
| Community banks channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing. |
| Community bank officers are generally accessible to their customers on-site. Community bank officers are typically deeply involved in local community affairs. |
| While large-bank officers are likely to be detached physically and emotionally from the communities where their branches are located. |
| Community banks offer nimble decision-making on business loans because decisions are made locally. |
| Because community banks are themselves small businesses, they understand the needs of small-business owners. Their core concern is lending to small businesses and farms. |
