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ICBA

Why Choose a Community Bank?

Your money stays local. When you bank with a community bank, your deposits directly support local businesses, jobs, and community initiatives — keeping your neighborhood thriving.

"I have never seen a bank, local or national, do something like this."

"They’re invested in the community. They’re invested in your success."

"They know your financial situation a little bit better than a national bank would."

"She still believes in me to this day, and now we’re a multimillion-dollar company."

"It’s super important to have a relationship with my banker and with a community bank."

Your money stays in your community​

Unlike larger banks, community banks reinvest your deposits locally—funding small businesses, creating jobs, and supporting community projects. Banking locally is like shopping locally: it strengthens your neighborhood.

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Relationship banking is their specialty​

Community bankers know their customers personally, considering your unique story—not just your credit score—when making lending decisions. Larger banks rely on impersonal criteria, but community banks see you as an individual.

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They care about what you care about

When small businesses needed urgent support during COVID-19, community banks stepped up, issuing 4.7 million PPP loans totaling $429 billion, saving an estimated 49 million jobs. They provided 60% of all PPP loans, 72% to minority-owned businesses, and served over 90% of local communities nationwide.

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Leading lenders to small businesses

According to the Federal Reserve, 79% of small businesses prefer community banks, compared to 67% for large banks and 49% for online lenders. Community banks consistently deliver satisfaction and results.

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They recognize the people behind the community

At a community bank, you're never just an account number. They offer personalized, creative financial solutions tailored to your unique needs, investing in your financial success.

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Ready to find a community bank?

Our bank locator makes finding a community bank easy—one that will support you every step of your financial journey, online, in-person, and beyond.

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