In recent times, there has been a shift in the preferences of investors towards smaller banks over top private banks in the financial market. This change can be attributed to several factors. Firstly, smaller banks are often seen as having a more customer-centric approach, offering personalized services and building stronger relationships with their clients. Additionally, smaller banks tend to have a more localized presence, which allows them to have a deeper understanding of the needs and preferences of the local market. This localized approach also enables smaller banks to be more flexible and agile in adapting to changes in the market and offering innovative products and services. Another factor that plays a role in the growing interest in smaller banks is the perception of lower risk. Smaller banks are generally seen as having a more conservative approach to lending and risk management, which can be appealing to investors, especially during uncertain economic times. Moreover, the recent economic slowdown and the impact of the COVID-19 pandemic have highlighted the importance of stable and resilient financial institutions. Smaller banks, with their localized focus and conservative practices, are often perceived as being more stable and less susceptible to systemic risks. Lastly, investors are also drawn to smaller banks due to the potential for higher returns. As these banks operate on a smaller scale, they have the opportunity to grow and expand their market share, which can lead to increased profitability. Overall, the shift in preference towards smaller banks over top private banks can be attributed to their customer-centric approach, localized presence, lower perceived risk, and potential for higher returns.