Reply #34: you can search your town's banks at the site I linked

[TexasObserver]

The site will allow you to search your specific area. All areas have local banks, and you can verify their ratings. The added benefit is that if you use a local bank, you're doing more to help your local economy. The money and profits are more likely to stay in your community, and more likely to provide loans to consumers in your area.

And local banks simply value you more as a customer.