A community bank is one locally owned, primarily by private shareholders, not by institutional investors. Assets are usually under $2 billion. We are around $670 million.

Oly Fed is a community bank, so is Timberland. Anchor Bank, well, an institutional investor bought over 50% of their stock recently, so who do you think will drive the ideals of that already seriously troubled "community" bank? Another few good community banks in the Oly area include, Heritage Bank, Thurston First, and South Sound Bank. We work with many of these banks on a regular basis.

Sterling and Umpqua banks are examples of regional banks. Umpqua is in good shape. Sterling has some challenges still.

Bank of America, US Bank, Chase, Key, Union Bank of CA, Wells, and a few others are folks you should probably want to stay away from.

Hope this clears things up a little bit.