MISSION STATEMENT: Create and promote an environment where community banks flourish.
A thriving independent community banking sector is vital to the
Locally owned community banks have a direct and vital stake in their
communities. Their business model is founded on personal
relationships and direct knowledge of the business owners, families,
and individuals that make up their communities.
ICBA is committed to confronting mounting threats and adverse trends
and ensuring that independent community banks remain a significant
part of the U.S. financial system.
Every industry that has undergone consolidation has seen higher
consumer costs and eroded consumer choice, value, and benefits.
Continued consolidation of the banking sector, which is a catalyst
to so many other economic activities, would have far reaching
A nation dominated solely by large banks would have a fundamentally
different economic and commercial character. Financial products and
services would become wholly commodified. Local decision making,
customized products, and personalized service – the hallmarks
of community banking – would become a thing of the past.
ICBA is the only national trade association dedicated exclusively to
representing community banks. Through its public communications,
ICBA tells the community banking story, promotes our principles, and
positions ICBA as the leading source of information on the industry.
Through its membership, ICBA aggregates and leverages the political
and economic strength of community banks.