| Community banks focus attention on the needs of local families, businesses, and farmers. Conversely, many of the nation's megabanks are structured to place a priority on serving large corporations. |
| Unlike many larger banks that may take deposits in one state and lend in others, 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. CEOs at megabanks are often headquartered in office suites, away from daily customer dealings. |
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