... differentiation. The positions of the circles indicate the business strat-egies selected by banks, and the relative sizes of the circles indicate the relative sizes of the banks.Figure 4 shows the banking ... 5, p. 8.Whalen, Gary, 2001, The impact of the growth of large, multistate banking organizations on communitybank profitability,” Office of the Comptroller of the Currency, working paper, No. ... has increased.Furthermore, the assets of credit unions have grownmuch faster than the assets of community banks.16Conclusion The slide in the number of community banks over the past 20 years...