Most of our banks are in towns (5)
I believe the answer is:
urban
'most' is the definition.
Both the definition and answer are adjectives. Perhaps there's an association between them I don't understand?
'our banks are in towns' is the wordplay.
'URBAN' is hidden within the letters.
However, I'm not sure how the hidden word is indicated.
'of' acts as a link.
Can you help me to learn more?
(Other definitions for urban that I've seen before include "City - pope" , "Relating to built-up areas" , "Town (adj.)" , "Of towns or cities" , "Relating to a city/town" .)