For more than a year, community bankers have been hard at work saving the nation’s small businesses via the Paycheck Protection Program (PPP). The effort has been nothing short of heroic—the greatest story to be told in financial services. But there’s another story you need to know because a lot of other things happened while you were focused on PPP and taking care of your customers. It’s about the value of your most precious asset: your bank charter and how fintechs are changing the way charters should be valued.