Plenty of small and old banks across USA. Not sure how they get by on the back-office side, but they do! Just looked up a US sibling's bank and it was chartere

Plenty of small and old banks across USA. Not sure how they get by on the back-office side, but they do! Just looked up a US sibling's bank and it was chartered over 100 years ago and has 3 branches. Then there are credit unions, which are another beast that sits outside of FDIC.