Community banks still serving their customers

From small business loans to employees' involvement in local organizations, community banks build on and encourage relationships with the areas they serve

Executive team — Exchange Bank’s senior vice president Catherine Ray Martin and her CEO father, Ricky Ray. Photo by Art Meripol. Over the past three decades, the number of community banks has shrunk — from 13,568 in 1990 to 4,624 in 2020, according to the Federal Deposit Insurance Corp. But the…

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