Mayra Rodríguez Valladares, managing principal of MRV Associates, said community banks may be better at getting those loans out the door than the big guys.

“They don’t have huge staffs, they don’t have a lot of red tape,” she said. “Community banks — their specialty is indeed taking deposits and lending.”

For the Paycheck Protection Program, regulators temporarily loosened rules on how much money banks have to keep in reserve to cover bad loans, Rodríguez Valladares said. And banks are already lobbying to make those changes permanent.

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