The following video is part of our "Motley Fool Conversations" series, in which senior analyst Anand Chokkavelu, CFA, discusses topics around the investing world.

U.S. banks have been known in recent years for trying to increase their profits by increasing their risk profiles. That kind of financial innovation rarely ends well. However, banks are also trying to increase their profits by becoming more efficient through the use of technology. Cost savers including enhancements to ATMs and the use of video tellers are helping banks, even the largest (Wells Fargo, Bank of America, Citigroup, and JPMorgan Chase), continue to provide their necessary customer services while not breaking the bank.

The financial heavies are getting a lot of press these days. And much of it is negative. But there's one small bank that's flying under the radar, and it has some of the best operational numbers you'll ever see. The Motley Fool featured it in its brand-new free report: "The Stocks Only the Smartest Investors Are Buying." We invite you to download a free copy. To find out the name of the bank Warren Buffett would probably be interested in if he could still invest in small banks, just click here.