Here is the case of the missing community banks. Where-oh-where has my neighborhood banker gone? In this very well researched and documented article, learn how Dodd-Frank has made banking more difficult and expensive for community banks to operate; how very low interest rates are partly to blame due to net interest banking; how Jamie Dimon, CEO of JP Morgan Chase, revealed why onerous regulations help mega-banks grow market share. Also, please find the exception to this trend; the Shangri-La of community banking: surprise! surprise! North Dakota.