Rebeca Romero Rainey: Why Service is the Heart of the Community Bank Difference

In the months that have passed since we came together at ICBA LIVE, I’ve been reflecting on one key sentiment that came across loud and clear: Community banks have a unique and profound impact on the lives of those we serve. 

At LIVE, retired U.S. Army Staff Sergeant Travis Mills, a quadruple amputee, shared his story of perseverance and courage, inspiring everyone in the room. But an electric current shot through us all when he indicated that the work he does today to support families of military veterans has been made possible by his local community bank. Everyone sitting in the crowd made a connection in real time that the work they do is vital to helping humanity. 

That truth is reflected in the way in which we conduct business. One of my favorite things to do while traveling is to meet with bankers in their community. The story is the same in every market: Community banks go the extra mile to serve. 

I recently met with a banker in Colorado who recounted stories of the businesses his bank supported. From the college and hospital to local restaurants and farmers, he knew their histories and current challenges. Community bankers might take this approach for granted, but this is the side of relationship banking that makes the difference. The difference is the relationships, the history and the desire to invest and support the long-term viability of the community, one small business at a time.

Small Business Loans and Agricultural Lending Support

Shortly after this visit in Colorado, I had a meeting with the head of the National Economic Council. We went back to the data: Community banks fund 60% of U.S. small business loans and 80% of the banking industry’s agricultural loans. While this aggregate information tells a story, it doesn’t explain that we do it because it’s what’s right for our communities. 

That’s why leaders need to hear the stories of community bank service. Hearing them reveals, without a doubt, that community banks are the hearts of their communities, and their communities have their hearts. That love for what we do and who we serve transcends day-to-day business to ensure we make a real difference. 

At ICBA, this is what we’re fighting for and standing up to support through advocacy, education and innovation. We strive to bring you the solutions that help you make a difference every day. Just as LIVE’s “Anchored in Purpose” theme said, the work community banks do matters, and we must continue amplifying that message for all who need to hear it.

Where I’ll be this month

I’ll be meeting with the boards of ICBA and the ICBA Services Network. I’ll also be attending the Independent Banks of South Carolina and BankIn Minnesota 2026 annual conventions.