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Community banks firmly believe in building relationships with their customers. It is important for them to know their customers and it is this relationship-driven approach that enhances their ability to provide the best possible service and solutions to individuals, families and businesses.
The fact that most community banks are locally owned allows them to exert flexibility that large banks simply cannot afford. These banks enjoy creating solutions for customers that do not fit the normal approach taken by larger banks. In addition, community banks are small and are not hindered by their size or bureaucratic structure which large banks have to handle.
Another aspect that sets community banks apart from large banks is the ownership. Most banks are family owned and operated making them more accessible. They do not have multiple layers of decision makers. The fact that the management of community banks are in close proximity to customers enables them to meet the need of the community and customers do not have to call a toll-free number to get their issues solved.
As mentioned earlier that community banks are small with streamlined organizational structure. This allows them to react quickly to the needs of their customers and they are able to provide timely answers to questions and queries.
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The US banking system is considered to be quite unusual because it has some large banks along with a small number of community banks. This divided banking structure is of the legalities of the past which prevented banks from diversifying geographically. 
