Executives of BOK Financial Corp. in Tulsa, Okla., were worried. Having just bought a community bank in the suburbs, they were afraid BOK would start getting a big-bank image that would scare off small-business borrowers.

The acquisition had a small-business resource center, which BOK might have moved to its plush 50-story office building downtown. Instead, the bigger bank moved its own small-business staff to the one-story building in the suburbs.

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