A bank's lending policies and its aggressiveness in attracting large deposits depend more on the size of the bank's assets than on its rural or urban location. Many rural banks do take fewer risks than urban banks, but that's because of the small sizes (value of assets) of many rural banks, not their locations. The kinds of deposits (6-month money market certificates and large time deposits) and investments (government securities and Federal funds) a bank uses, the rate of loan losses, and its profitability indicate a bank's aggressiveness and lending policies.