When I'm asked about the future of the community bank, I don't draw on my work as a banking teacher and writer. Rather I think of my father, Marcus Nadler, who said, "What you fear most never happens; something else does," and the tenet of my wife, Beverly, "There are three sides to every story-your side, my side, and the truth."

In this regard, the popular view today is that community banking is dying.

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