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In addition, popularity of community banks has not diminished because they serve customers in rural areas and small metropolitan areas where large banks do not operate.
Community banks are considered to be important lenders in farm economy. They also serve the retail deposit needs of many small-time depositors. Although many believe that the number of community banks will decline because of mergers, one fact is agreed upon by all that community banks have and will play an important role in the United States.
So, what do community banks do? Community banks provide services to small businesses, depositors who come under low to moderate income levels and family farmers. They provide relationship-based service to all their customers.
Community banks play an important role in small businesses as they provide a lending source. This makes the banks very important as small businesses account for just over half of private sector output and employment.
The fact that community banks operate in rural areas, it is not surprising that these banks are important farm lenders. Many rural communities depend heavily on farming and as a result community banks are important to these communities.
Many depositors and small business love to work with banks that offer relationship-based services. And community banks offer just that. They provide personal service to all customers and depositors when it comes to retail deposit services.
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Most banks offer similar services. However, what set community banks apart from large banks is the way the services are delivered and how the banks treat each individual customer. Community banks offer relationship-based services which large banks are unable to offer given the large customer base. 
