• Small Community Banks Provide Huge Community Benefits

    This week Crystal from Dublin National Bank in Dublin, Texas is talking about community banks and their role in their various communities as well as just what they can offer their customers.

    Dublin National Bank is, of course, a community bank, and it offers the very same services that the large banks offer, but at lower costs and fees for their customers.

    Because community banks have more lending flexibility than do larger banks, Dublin National is able to lend money to smaller businesses, thus putting a much needed cash flow into the local economy.

    “We share a commitment to the community as well as to the history of Dublin National Bank (since 1893). The bank is very involved in the community of Dublin, and our decision making is done locally by people who live in the community and have face-to-face relationships with our customers. We are also able to understand our local needs.”

    Because of this personal knowledge, Dublin National is often able to approve small business and other loans that big banks would reject, which means bankers are able to give more attention to the “little man.”

    Community banks can also sometimes offer better interest rates on deposit accounts and loans.

    “And the best aspect of a community bank is that we are here for our customers. We say hello by name when you walk through the door; we are here to answer the phones (not a call center) and are here to help anyway we can with whatever need the customer needs from us. Obviously, this is much better customer service than a large bank will ever be able to provide.”

    About Fredda Jones

    Fredda Davis Jones was raised “in the country” in Comanche County and learned very early that creativity and innovation are traits that can flourish even in small-town Texas and that with enough effort, indeed nothing is impossible, including being married to the same man for over 40 years! Rickey and Fredda have 2 children, 5 grandchildren, and a crazy life that includes sitting in the bleachers several times a week. The rest of her time is spent creating great content for texansunited.com and marketing small-town Texas.
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