Since the bank is five-minutes from my home, I keep this account as a regular checking account for me (ATM, Billpay, etc.); thus the 2.25% APY is fine with me.
If I remember correctly, you had two $100K accounts with Danversbank, and when it was at 4% you were borrowing HELOC money to fund these accounts, profiting from the difference. I suspect you're not doing this any more. And with the drop to 2.25%, I doubt that you're keeping any more money in the account than you need for your regular checking needs. For your RCA income you're probably keeping your money in banks with rates above 3%.
Since this bank is 3000 miles from my home, 2.25% is not fine for me. In fact, for my regular checking needs, I have no problems using banks half-way across the country that earn more than 2.25%. Plus I haven't used an ATM in years. I actually use so little cash, that getting cash back when I go grocery shopping is a much easier way to satisfy my cash needs.