The money center banks that caused the 2008 financial crisis have massive balance sheets to pay for the additional protocols put in place in its aftermath. Unfortunately, it’s not as easy for smaller players like Citizens Bank of Edmond Oklahoma to foot the bill for these 'crushing regulations,' said the company’s CEO Jill Castilla. 'Dodd-Frank was well intentioned and it was addressing the crisis in a way in which the government could control some of the activities that were a little aggressive, but on Main Street we weren’t doing those things,' said Castilla. Not that Castilla is afraid to compete with the banking industry’s giants. She said community banks may not have the resources of a JPMorgan Chase (JPM) or Bank of America (BAC), but they do have an edge when it comes to knowing their customers. 'We know our communities inside and out,' said Castilla. 'We know the oil and gas industry and what impact it can have and those leading indicators allow us to be a little more conservative and weather that storm.'