RICH SQUARE, N.C.—Even before PNC Financial Services Group Inc. closed the only bank branch in this small rural community, many local residents were feeling the strain of doing business with an out-of-town banking giant. Lisa Evans says she was put on the phone with a banker in another location when she came into PNC’s Rich Square branch last year to borrow $25,000 after she and her brother took over Farmers Feed & Supply Co. following their father’s death. He had owned the local hardware...