America's banking industry is shrinking. Community banks are struggling. We had about 7000 community banks right after the crisis.Now we've got about 4000. That's a huge decline. We see that those local banks are really disappearing.It's really hard for them to compete with the very largest banks, who are essentially subsidized by the public because they are seen as too big to fail. The four largest banks in the U.S.--JPMorgan Chase, Wells Fargo, Bank of America and Citigroup--hold an increasingly large per ...