MMB, keep thinking and comparing. That's what management material is made of. The size and location have a lot to do with procedures. Keep a list of things that are a concern. Wait 6 months and take a look again. Maybe some might not be so great then.
As a banker, I feared the new examiners the most. Referred to many as "loose cannons" - everything was huge and will bring the bank down. After a couple of years, they found that the banks still existed, were profitable, and served the community.
As an examiner, I learned that a community bank and urban bank were 2 distinct creatures. While examining a community bank, the "Cashier" (title out of the past) took out an application, approved it and had it on his desk. A customer walked in and said he needed a loan for a new truck. The Cashier slid the application across and asked him to fill out what he needed. Fifteen minutes later, the person left with a check. No phone calls or credit reports.
I asked about all the additional information, and the Cashier explained that it wasn't necessary - they grew up together, they went to the same church, kids same school and baseball teams, customer had loans and all were paid like clockwork, and he was part owner and worked across the street in the diner we had lunch at. He knew that the customer would be needing a loan because there were a lot of checks to the local garage, and the kids were out of school the day before looking at cars in a nearby town. There was no way they would lose. That would never happen in an urban bank.
It is different - enjoy yourself.
Integrity. With it, nothing else matters. Without it, nothing else matters.