Small business bankers are becoming harder to keep, and their client relationships often move with them when they go. Here is what is driving the market and what it takes for a bank to compete for this talent.

In commercial banking, relationships rarely break in a dramatic moment. They break slowly. A client starts waiting longer for answers, and small delays become a pattern. By the time the bank notices, the most profitable parts of the relationship, deposits and FX, have often already moved.