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> There are no regional banks whatsoever

That's inaccurate. They don't the market share small US banks do collectively, and none of them are particularly focussed on tech startup, but they do exist, alongside credit unions - https://en.wikipedia.org/wiki/List_of_banks_and_credit_union....

The ATB seems particularly of note - directly owned and backstopped by the Alberta Provincial government, has ~15% of banking in the province.



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