Buy community bank leads by ZIP code

Your ZIP codes

Why this matters for a community bank

The FDIC counts 3,852 community banks, nine in ten of the country's insured institutions, and ICBA credits them with nearly 60% of the nation's small business loans and the only bank branch in one county out of five. Relationship banking still wins once someone opens an account. The research below says the harder job in 2026 is funding it, which means finding the people in your footprint who are already thinking about moving their deposits.

• Community bankers rank core deposit growth as the second biggest outside risk they face, behind only net interest margins. Nearly 80% call it extremely or very important, and 83% say competition in their market is what makes core deposits hard to attract. CSBS 2025 Annual Survey of Community Banks
• The community bank core deposit ratio is near 15-year lows, below its 15-year median of 89.6%. Federal Reserve Bank of Kansas City, 1Q 2026
• Small banks fully approved 57% of the small businesses that applied to them for credit, against 43% at large banks, and applicants named an existing relationship as the top reason they chose where to apply. Federal Reserve Banks, 2025 Small Business Credit Survey
• Half of consumers say they would switch to a community bank, against 26% who would switch to a large bank. Large-bank customers who would move name rates (54%), fees (49%), and a branch nearby (36%) as their reasons, and 85% of community bank customers say their bank needs branches near them. Harris Poll for Apiture, 2024
• 8% of retail bank customers changed their primary bank in the year to January 2024, up from 5% in 2018, and 13% say they will switch in the next 12 months. Switchers are a small share of any ZIP code, so it pays to know which people they are. J.D. Power 2024 U.S. Retail Banking Satisfaction Study
• 93% of bank executives expect deposit competition to stay the same or intensify over the next 12 months. IntraFi Bank Executive Business Outlook Survey, Q3 2025
• There is now one branch for every 1,365 households, up from one for every 1,060 in 2015. Household growth is slowing, so one institution gains only when another loses. Bancography Outlook 2026
• ICBA marks April as Community Banking Month and publishes a marketing toolkit for it, which gives a mailing to your in-market leads a date to land on. ICBA, Community Banking Month 2026

What these ranks are built from, and what they are not

This section lists what the count and the Row Pro list are built from, so your compliance officer can check it against the fair lending and advertising rules your bank is examined on.

What is used

• One community bank customer likelihood rank, from 1–99, of how likely an adult is to bank with a community bank.
• Financial institution shopper likelihood, a 1–99 rank of how likely an adult is to switch institutions in the next year.
• The ZIP codes you type. Nothing else. The Row Pro list is filtered on the same two ranks and the same ZIP codes, and adds only the name and mailing address you need to send the piece.

What is not used

• No prohibited basis under the Equal Credit Opportunity Act or the Fair Housing Act is an input to these ranks: race, color, religion, national origin, sex, marital status, age, familial status, disability, receipt of public assistance income, or the good-faith exercise of rights under the Consumer Credit Protection Act. 12 CFR § 1002.2(z), Regulation B, 42 U.S.C. § 3605, and the FDIC Consumer Compliance Examination Manual, fair lending chapter
• No credit data. The ranks are built from marketing data, not credit data, so no consumer report is pulled and the list is not a prescreened list under the Fair Credit Reporting Act. Use it to invite people to apply, not to decide who qualifies. Faraday's responsible AI page
• Regulation B bars advertising that would discourage anyone on a prohibited basis, and the Interagency Fair Lending Examination Procedures list a marketing area that leaves out majority-minority neighborhoods inside a bank's market as a redlining risk indicator. Choose ZIP codes by a rule you could state to an examiner, such as your whole CRA assessment area or every ZIP code within a set distance of a branch, rather than by picking neighborhoods one at a time. 12 CFR § 1002.4(b) and the Interagency Fair Lending Examination Procedures
• The piece you mail still carries the official advertising statement, Member FDIC. If it quotes a deposit rate, the Regulation DD advertising rules apply. 12 CFR Part 328 and 12 CFR § 1030.8

How the count works

• Faraday's identity graph holds about 378 million adult records, more than the Census counts adults, because records for people who have moved or died leave the graph slowly. The counts on this page are records, so a ZIP code's total can run above its adult population. Most records hold a 1–99 rank for each likelihood; the rest are counted as not ranked. Likely means the top 20% nationally, a rank of 80 or higher.
• An in-market lead is a record that is likely to be a community bank customer and likely to be shopping for a new institution. Both ranks must be 80 or higher.
• This page ships one count per ZIP code, computed ahead of time. Zero stays zero, counts under ten are withheld, and everything else is rounded to the nearest ten. No person-level data is on this page.
• Row Pro applies the same two filters to the same ZIP codes and shows a preview count before you pay. Its count will differ a little from the one here because it only delivers people with a verified mailing address.