The overarching message: You can trust us, because we did not cause the crisis and did not need bailouts. "We’re pretty convinced that the public is very upset with these big banks, and they don’t have much use for them anymore ... I can’t beat Wells Fargo and Bank of America nationally, but I can certainly beat their branch across the street." Of course, 115 small banks have failed since the financial turmoil began last year, and more are expected as loans for commercial real estate begin to falter. Full Article at The New York Times