urban partnership's leaders, william farrow and david vitale, call the new bank a win-win for the community and the big banks. >> the customers we serve have to be served by somebody, and you don't want to go back to the '70s or '80s when it took the government to force that to happen. but they would certainly have gotten encouragement to come in and serve these communities one way or another. >> reporter: in the past couple of years, more than 300 u.s. banks have failed, collapsing under the weight of bad commercial and residential real estate loans. most, like shore bank, were community banks with assets under $10 billion. about half of the loan portfolio urban partnership assumed is still at risk. so farrow says the bank is focused on restructuring those loans and counseling customers. >> we've actually had customers come in while we're trying to do this and say, "you're the best resource that we have to understand how we make money, to understand my business plan and my balance sheet as a bank." >> reporter: urban partnership wants to take a different course than its predecessor, relyin