Today's community financial institution has proven that it is a survivor. When "analysts" and "experts" point to an industry in decline, they fail to recognize these institutions for what they truly are: healthy, well-capitalized, well-managed businesses serving a genuine need in their communities. Assistance in serving those needs is the basic mission of Savings & Community Bankers of America, the national trade association representing community financial institutions.

Sound financial and operational systems have been a primary element in the continued success of most of SCBA's members, at both the corporate and customer levels. Each day, SCBA members handle millions of personal and business-related financial transactions. SCBA represents the institutions that put people in homes, make credit available to them, and plan for their long-term investment needs and retirement.

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