Where are the hard facts to show the rate of failure of "local" banks vs national banks? Some of the banks listed (for me) were part of large international con

Where are the hard facts to show the rate of failure of "local" banks vs national banks? Some of the banks listed (for me) were part of large international conglomerates? That's better? Also, having worked for large banks (one of the largest) and then in software sold to small "local" community banks and credit unions, I know that you are sacrificing online features with the the little banks. Most of them can't have the online convenience features that the large ones do. And don't think that the "local" banks are any less "greedy" or "evil" than large banks. The reason this little banks stay in business is that they are incredibly profitable. They charge fees just as high (overdraft fees keep them in business) as the larger banks but don't have the regulators up their butt like the larger banks. Did you ever wonder why banks offered free checking? It ain't to upsell you into car loans. It's in the hopes that you habitually overdraft and then pay the enormous fees. There's a reason the big banks print everything in multiple languages. They love immigrant customers who are not financially literate. Stand in a bank in an immigrant neighborhood sometime and listen to the tellers explain to people why they now owe $200 in overdraft fees and their account is empty. Having said that, credit unions are your best bet. Again if you can sacrifice a lot of convenience features you get for "free" with the larger banks. Disclosure: I still bank with a large evil bank. Too much hassle to switch for too little benefit (if fact negative benefit because I lose features).