Great comments and insights. I believe that the banker not the bank is key
to a successful banking relationship. Of course there are going to be
products and services that global banks can offer that a regional or
community bank is not going to be able to do. Also, for various reasons,
there are rates that smaller banks can offer on deposit products that a
larger bank may not be able to. Interview bankers not the banks themselves.
The right banker from a large global bank can make the bank "feel small"
and personal. That same banker can then offer all the assets and services
around the world. If you discover a bank that has the capabilities your
business needs, then try to find the right banker at that bank. If you are
hoping to grow into a national and international company, it may be best to
find the right local banker at that "big" bank who can navigate you through
the system as you grow.
You may still feel that smaller is better, and that could be, depending on
the banker. As you "outgrow" that bank and its capabilities, larger
regional, national and global banks will be happy to court you. Just
remember you will be starting a new relationship at that point.
I hope this is helpful.