Table: Little Banks That Could
Other small-business lenders who put a premium on customer service.
Name/Location Assets* Strategy
BROADWAY NATIONAL $140 Focuses solely on small-business loans, and BANK New York 50% of its loans are SBA-backed.
CHEROKEE STATE $202 Considers the cash cycle of the business as it BANK St. Paul, Minn. structures loans and repayment schedules.
FIRST COMMERCE $121 Doesn't rely on credit scoring. Focuses on Charlotte, N.C. small companies' goals for long-term growth.
GREAT BASIN BANK $89 Founded by entrepreneurs. Loan officers make OF NEVADA on-site visits to customers. Deposit pickup Elko, Nev. service. Friday is homemade cookie day.
MARYLAND $120 Has 95% of portfolio in small-business loans. PERMANENT BANK Focuses on serving the personal and Owings Mills, Md. business financial needs of entrepreneurs.
METROPOLITAN $164 Unlike many community banks, will consider BANK & TRUST loans for restaurants, hotels, and retailers. Chicago
OAKS BANK & $75 Each of four branches is headed by a senior TRUST Dallas lender, and loan officers are decision makers.
REDLANDS $110 Offers small-business clients same extensive CENTENNIAL BANK range of products as a large bank would, such Redlands, Calif. as financial-planning services and insurance.
TERRACE BANK $95 Flexible collateral requirements, and loan OF FLORIDA Tampa terms are determined case-by-case.
* In Millions
Data: BW Small Biz