There are 4,600 banks in the U.S. with $1bn or less in assets which accounts for 6.6 percent of all bank assets; in the last 30 years those numbers have fallen from 11,000 banks and 31.5 percent of bank assets; new regulations and more recently the advent of technology has reshaped the community banking market and those left standing are trying to figure out how best to survive; finding technology that best suits their customers needs is one way and fintech partnerships is another; while technology is helping to improve the financial system there is a large swath of customers who are at danger of being left behind. Source.