Community banks are known for their friendly, personal service. When you walk in the door, you’re much more likely to see a familiar face than you would be upon your arrival at a national banking chain. But many people mistakenly assume that community banks are somehow less capable than their nationally marketed counterparts. Through trusted relationships and dynamic and customized solutions, community banks can often offer much more than a national bank. Read on to learn about some of the top reasons you should consider keeping your money with a community bank right here at home. 

1. Community banks often have all the capabilities of national banks—just without the overhead. 

From commercial real estate and equipment loans (to help you acquire important pieces of property or machinery) to sizeable lines of credit (to finance your accounts receivable and inventory expenses) you might be surprised by all the services your community bank offers. Community banks don’t have all the complicated bureaucracy and processes (and subsequent overhead expenses) of national banks, which means a community bank can offer you competitive rates and high lines of credit. 

2. Community banks can often make timelier decisions when it comes to approvals.

Large, national banking institutions oftentimes take much longer processing paperwork and making approval decisions, which can become a disadvantage when an impending transactional opportunity is time-sensitive. A community bank’s faster decision-making process can make a real difference for business owners—when your loan application doesn’t go through several layers of corporate banking bureaucracy, you’re not waiting around for answers while wondering if you’ll get approved in time to secure that perfect property for your new company headquarters. 

3. Community banks can serve as trusted providers for local businesses. 

Forming a long-term relationship with a community bank means having an advocate when it comes to managing your money and growing your business. Community banks are better about taking the time to get to know you and your business, and can make recommendations based on your goals, needs, and limitations. Just like you would with a longtime friend, community banks take a personal interest in seeing you succeed—because a customers’ success is what drives their success.   

4. Community banks’ deeper knowledge of the communities they serve can offer valuable insights.

When the people you’re working with at your bank of choice live, work, and play in the same community you do, they are likely to know a lot more about the unique conditions surrounding your business and banking needs than an employee of a national banking chain without a personal connection to the local market. That means community banks can offer valuable advice on the right time to make an acquisition or be aggressive in expansion—or possibly when to bide your time when it comes to making a major transaction. 

5. At a community bank, you’re not just another customer.

It’s common for bigger banks to make small- to mid-sized businesses feel like they’re an afterthought, rather than a valued provider. But at a good community bank, you’ll always feel like a top priority. When you’ve built a long-term relationship with a community bank, they’ve likely watched your business grow from an initial idea into a thriving organization. 

Ready to experience the community banking difference for yourself? Visit to learn more about what we can do for your business.

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