I've been banking with Rabobank (formerly Mid-State Bank & Trust) since the 80's. I have also mortgaged my home 2 times and have had 2 business loans in the past. So recently I applied for a business loan and was not only turned down (even though I had a good credit score) I was told by John Mascarenas to consider closing my doors. Now if they told the rest of there business customers to do that, our town would be a ghost town! I think more people should write how they are treated by banks. If I didn't live and work in Los Osos, I would shop for a credit union instead of using RABOBANK.