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Local Community Banks

Browse community banks by state and city. Find local institutions that invest in your community.

Or browse by state below ↓

National Market Analysis

United States Community Banking Landscape

This national database provides a comprehensive overview of community banks operating across the United States. Community banks play an outsized role in the American economy, often serving as the primary source of credit and financial services for small businesses and agricultural enterprises.

While massive national conglomerates manage a larger share of total consumer deposits, community banks rely on "relationship lending," meaning their underwriting decisions are often based on personal knowledge of the borrower rather than strict automated credit algorithms. This localized approach to finance allows them to effectively serve niche markets and rural areas that are often overlooked by larger chartered institutions.

When evaluating the health of these local institutions, you can utilize our proprietary Health Score, which analyzes publicly available FDIC Call Report data - including metrics like Return on Assets (ROA) and Equity-to-Assets ratios. Understanding these figures is crucial before deciding where to entrust your local business capital or personal savings.

Bank Distribution by State

For Consumers: Look for states with a high Health Score (a composite metric out of 10) and large Assets, which indicates stable, highly-liquid banks where your deposits are safe.
For Bankers & Investors: Track ROA and regional concentration to identify high-performing markets and competitive landscapes. Note: Averages exclude states with fewer than 5 active institutions to prevent statistical outliers.

Browse community banks in these popular cities across the US.

New York New York 36 Institutions Chicago Illinois 29 Institutions Salt Lake City Utah 20 Institutions Los Angeles California 19 Institutions Oklahoma City Oklahoma 17 Institutions Dallas Texas 17 Institutions

Browse Community Banks by State

Select a state to see all listed cities and banks in that region.

Wisconsin
154 Institutions 123 Cities Health Score: 8.9
Michigan
72 Institutions 64 Cities Health Score: 8.8
Georgia
124 Institutions 99 Cities Health Score: 8.9
Illinois
327 Institutions 250 Cities Health Score: 8.6
Indiana
88 Institutions 79 Cities Health Score: 8.6
Iowa
226 Institutions 180 Cities Health Score: 9.2
Kentucky
120 Institutions 91 Cities Health Score: 8.7
Minnesota
223 Institutions 192 Cities Health Score: 8.7
North Dakota
60 Institutions 49 Cities Health Score: 9.4
Ohio
156 Institutions 129 Cities Health Score: 8.1
Arkansas
78 Institutions 65 Cities Health Score: 9.2
Tennessee
109 Institutions 78 Cities Health Score: 8.8

What is a "Community Bank"?

The term "Community Bank" is not a formal legal designation, but a broadly used industry term for smaller chartered banks that primarily serve local markets. According to the FDIC's Community Banking Study, a community bank is generally defined by a combination of factors:

Assets Under $10B

Total consolidated assets below the $10 billion threshold set by federal regulators.

Local Ownership

Independently owned and operated by local shareholders with deep ties to the community they serve.

Relationship Lending

Lending decisions based on personal knowledge of borrowers, not automated credit algorithms.

Community banks hold only ~15% of total industry assets but make nearly 40% of all small business loans. They are the backbone of Main Street banking. See our full glossary for more banking terminology.