Just in my suburb of a major city, within, say 5 miles of me, physical banks that aren't the top 5: a bunch of small banks (Southstate, Cadence, MemberFirst, Fi

Just in my suburb of a major city, within, say 5 miles of me, physical banks that aren't the top 5: a bunch of small banks (Southstate, Cadence, MemberFirst, FirstCitizen, OZK, Unity National, Southern First, First Horizon, City National, Hyperion), at least 6 credit unions (usually considered 'small banks': Delta Community, Navy Federal, Emory, Associated, American Postal, Peach State), banks that are 'small but something else' (BestBank (bought by First Citizen I think), associated with Kroger, Woodforest National associated with Walmart) and 4 regionals (Truist, Synovus, Regions, Ameris (which is a rollup of 4 or so small local banks around here)). How do they stay in business I wonder since noone sees them and noone banks there? What was your point again?