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Good truly is the enemy of great. Good community-based financial institutions dot the landscape. Sometimes their position is such because they cannot overcome certain regulatory hurdles. Sometimes it is because they are simply not motivated to be any better than good. Other times it is a lack of good structure, strong competency, and fruitful stratification and domination of a market.

A myriad of other reasons can result in goodness and not greatness. Competitive advantage is somehow lost in today’s rough and tumble, marginalized financial services market. It can, however, be achieved through optimal determination and execution of a sound, meaningful organizational structure.

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