Small Business

Community Banks: Your Partner for All Things Small Business​

Small Business Partners

Doing what needs to be done.

As a small business owner you may not always have everything you need to get the job done, but you always find a way, because you have to. When you bank with a local community bank, you are banking with a likeminded partner. 

Community banks know what it means to invest in a local community and focus on providing value beyond being a successful business. Community banks want to be your partner not just for today, but the future of your business. Don’t settle for any banking relationship, bank local and gain a partner in getting it done. 

Hear from community bankers and their customers about why relationship banking matters and how community banks are uniquely positioned to serve their customers and communities. Share Your Story
Community bankers help make their customers’ dreams come true. Thank you, community bankers, for your continued commitment to help customers and communities flourish! Share Your Story

Banking. (Don’t yawn). While you’re busy serving your customers, your community and growing your business, finances and banking are in the background, an essential part of your business.  

Your finances can be transactional or relational and successful business owners have learned the difference. Build a relationship with your local banker early so you have the support you need when you need it most, to fend off hardship or jump on an opporunity.  

Unlike megabanks, community banks are entrenched in their communities and support small businesses through thick and thin. Their success is tied to their community and local small business customers they serve. Your success.  

They can be your local advisor, financer, backer, supporter, and cheerleader. They are part of your community. 

But don't just take our word for it.

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Our bank locator makes it easy to find a community bank in your community—one that will be with you every step of your financial journey, in-person, online and beyond.

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Tips and Blogs

The 411 for First Time Home Buyers


There are many factors that some might find intimidating when venturing into the housing market, especially first-time home buyers. If you find yourself in this boat, it’s likely that loans and mortgages play a heavy role in the intimidation factor.

But you’re in luck – we have information that can help you on this process. We recommend meeting with a representative at your community bank so that you can have face-to-face discussions specific to your home-buying circumstances and needs. In the meantime, we’ve compiled information about FAQs that can help guide you on your way.

- Credit Score Details: Your credit score is important in securing a loan; however, there are other factors (like income, savings, etc.) that are also relevant. If utilizing a government program (FHA/VA/RD), a lower minimum credit score around 660+ is typically accepted. When it comes to conventional loans, the minimum is a little higher at 690+. Need to improve your credit score? Your community bank can provide you with actionable tips that will help.

- Debt-to-Income Ratios: In addition to a solid credit score, you must also have a good debt-to-income ratio. Typically, this is 43% or lower, but lenders will consider higher ratios with compensating factors like a down payment of 10% or up, reserves, and / or a strong credit score.

- Loan Programs: For first-time home buyers, quality options for financing are FHA, VA, and USDA Rural Housing loans from state and local housing finance agencies. It is possible to quality for conventional loans with as little as 3% down.

Additionally, many aren’t aware that most states and counties have housing finance agencies and special programs that can assist with down payments and closing costs. By working with a community bank, you can ensure you’ll receive information about local programs that could benefit you.

- Fixed Rate vs. Adjustable Rate Mortgage: Generally, a first-time homebuyer will be better off with a fixed-rate loan. Typically, you should only consider an adjustable rate loan when the initial rate is fixed for at lease the first five years.

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