Find a Community Bank

Community banks fund 60% of small business loans across the country. Community banks offer nimble decision-making on business loans because decisions are made locally. Find a community bank close to you with this locator map.

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Why are Community Banks Different?

Community Engagement and Accessibility: Community bank officers are typically deeply involved in their local communities. Throughout the pandemic, community banks, as essential businesses continued to serve customers and new customers around the clock to ensure they received the PPP loans they needed.

Local Focus: Unlike larger banks that may take deposits in one state and lend in others, community banks channel their loans to the neighborhoods where their depositors live and work, which helps local businesses and communities thrive.

Relationship Banking: Community bank officers know their customers and may consider family history and discretionary spending in making loans. Megabank loan officers apply impersonal qualification criteria, such as credit scoring, without regard to individual circumstances.

Innovation: As high-tech, high-touch local financial institutions, community banks work with their customers to ensure they have access to innovative products and services.

Timely Decision-Making: Community banks offer nimble decision-making on business loans because decisions are made locally.

They answer to Main Street not Wall Street. Embedded and invested in their communities, community banks thrive when their customers and communities flourish.

Where you bank matters. Establish a relationship with a community bank to see the difference for yourself.

Use the map above to find your community bank today.

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Remote Banking

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What They're Saying About Community Banks

Let’s be clear: Community banks don’t expect to make a profit on the loans. As Marquette CEO Mike Edwards said in an interview with the Wall Street Journal, “We need the community to be there when this is over.” Hear what others are saying about community banks:

"Beaver’s Cafe was days away from laying off its seven employees and closing its kitchen to the 600 residents of Minto, N.D., when the local bank came up big."  


- Wall Street Journal 

"Those customers that have these relationships with their banks, the banks have a lot of their information on file already, so some of those loans will be easier to turn around."

- NPR

"Community banks are obviously well ahead. They really are."





- CNBC 

"Established relationships, flexibility, personal knowledge of the details and a quick turn-around time can make entities such as the Charlevoix State Bank, 4Front Credit Union, and the Charlevoix Main Street Program key players in the upcoming economic revitalization process."

- Charlevoix Courier

"The US has more than 4,000 community banks that provide about half of the country’s borrowing for smaller enterprises, according to the trade group Independent Community Bankers of America. They’ll be needed to funnel funds into everything from dry cleaners to optometrist clinics."

- Quartz 

"One bright spot emerged, small businesses say: local banks that hustled to disburse loans to their communities as fast as they could. They did this by planning round-the-clock, shifting hundreds of employees to the effort, and cranking out approvals as soon as the program opened."

- The Washington Post

Why community banks?

Here's just a few of the reasons community banking is the right call for your business, family or loan.


  • Local Focus: Unlike larger banks that may take deposits in one state and lend in others, community banks channel their loans to the neighborhoods where their depositors live and work, which helps local businesses and communities thrive.
  • Relationship Banking: Community bank officers know their customers and may consider family history and discretionary spending in making loans. Megabank loan officers apply impersonal qualification criteria, such as credit scoring, without regard to individual circumstances.
  • Innovation: As high-tech, high-touch local financial institutions, community banks work with their customers to ensure they have access to innovative products and services while partnering with and investing in financial technology providers. A prime example of community bank innovation is showcased through ICBA’s ThinkTECH Accelerator.
  • Lending Leadership to Small Business: According to the Federal Reserve’s Small Business Credit Survey: Report on Employer Firms, community banks are the small business lender of choice.
    • 79 percent of independent businesses that used community banks report they were satisfied with their overall experience, compared with 67 percent for large banks and just 49 percent for online lenders.
  • Timely Decision-Making: Community banks offer nimble decision-making on business loans because decisions are made locally. Megabanks must often convene loan-approval committees located in another state, far away from their customers.
  • Community Engagement and Accessibility: Community bank officers are typically deeply involved in their local communities, while megabank officers are often detached from the communities where their branches are located.

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