Two decades ago, identifying a community bank was not difficult. It was a "brick-and-mortar" building that managed your checking account and gave you a bank book for your deposits. It was where you applied for your mortgage and were greeted by the bank manager, whose kid played on your kid's baseball team.

Today, identifying a community bank is more complicated. Your money comes from an ATM, you manage your checking account on a PC, your savings are in a mutual fund, you qualify for your loan electronically-and your kid plays soccer, not baseball!

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