For generations, there were bankers who could tell you, without looking at a report, which small business owner was going to need a line increase next quarter. They knew because they had watched the business grow –- years of conversations, seasonal cycles, and credit decisions. They also knew exactly where the funding for that line would come from. Local deposits. Other businesses and families in the community who banked with them. Community banking, in all of its beauty and wonderment, is not necessarily romantic. It is mechanical. Deposits come in. Loans go out. Margin holds the machine together. That machine is now quietly under pressure.