The environment for community banking is undergoing massive disruption. For one, the very definition of “primary financial institution” has evolved significantly. Traditionally, consumers defined their primary banking relationship as the one they have with the financial institution that holds any combination of their mortgage, auto loans and direct deposit checking account. That definition harkens back to a time when most consumers maintained relationships with only one or two financial services providers. Today, consumers have many more choices, and their financial lives have become...