If you’re not happy with your bank, you’ll have another option soon.

Old Line Bank, a state-chartered bank with 21 branches around Maryland, is coming to Riverdale Park Station.

Given that large national banks score about as well as health insurance companies on consumer satisfaction surveys, you may find that good news.

Here’s how it works. Banks can choose to be chartered either federally or by an individual state. In both cases, they’ll have federally managed deposit insurance, so your money is not at risk, and all banks have some federal supervision.

In the past, many banks chose to become federally chartered to avoid certain state regulations. Most of the banks you can name off the top of your head—such as the nearby Wells Fargo—are chartered this way.

In recent years, some smaller banks have chosen to go the other route, arguing that the state understands their needs better than the federal government.

There’s no guarantee that state-supervised banks are any less likely to run into the same troubles that the so-called “too big to fail” national banks have had in recent years. But for consumers who are fed up with their current bank, it’s nice to have another option.