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State Regulators, CSBS, and Federal Reserve System Release Community Banking Report

October 3, 2013

This afternoon,the Conference of State Bank Supervisors (CSBS) and the Federal Reserve System, released Community Banking in the 21st Century: Opportunities, Challenges and Perspective (PDF), a first-of-its-kind report on the challenges and opportunities facing community banks. The report was produced and released in conjunction with the inaugural CSBS-Federal Reserve community banking research conference held this week at the Federal Reserve Bank of St. Louis.

The report reveals findings of a comprehensive series of industry town halls hosted by state bank supervisors this past spring and summer and it represents the direct views of community bankers from states experiencing different economic and fiscal realities.

Part one of the report presents current and historical community banking data to provide an appropriate context for understanding how the industry has changed over the past two decades. It helps to frame discussions on how the industry might be poised to react to future challenges and take advantage of future opportunities.

Part two of the report synthesizes and analyses, in aggregate, the responses to the questions that community bankers were asked at town hall meetings across the country. The report highlights responses common to a majority of community bankers and further highlights unique and innovate responses to the questions asked.

Information regarding the conference, including the report, is available here.

For more information contact Patrick Carroll at