Low Hanging Fruit

This seems like the perfect climate for the small bankers who really have more than a statistical knowledge of their potential clientele to take customers away from the big banks that have been eating their lunch in the recent past. Offer loans to the small businesses that are caught in the credit lock. Both parties benefit and the recovery begins at a microscopic level. I've watched competition push gasoline prices to unimaginable lows. There's no reason why some savvy bankers can't cherry pick a few customers and make some real scratch out of the situation. There's no reason for the whole banking industry be all herd animals.

Update: I raised this question to a bank executive I met at a recent soiree. His response was that the government was indeed giving his independent bank money so but it was required to buy troubled banks with it. What he would rather be doing is just taking the troubled banks customers.