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America's Community Bankers(ACB) is a national trade association representing savings institutions and community banks. The association was established in the year 1992. ACB originated from the merger of the U.S. League of Savings Institutions and the National Council of Community Bankers. Originally, the name of the association was Savings & Community Bankers of America. In the year 1995 the name was changed to America's Community Bankers.
Community banks are locally owned and operated banking institutions. Community banks offer the entire standard banking services including checking, savings, loans, mortgages, and safe deposit boxes. However, a community bank does not offer brokerage services and multi-million dollar financing. All lending decisions are made locally by people understanding the unique challenges and financial needs of the business people and residents living and working in the community where the bank serves.