• Study Quantifies Compliance Costs for Community Banks

    Compliance Paper Image A study released using data compiled in surveys by the Conference of State Bank Supervisors (CSBS) shows that the burden of regulatory compliance for community banks declined in 2016 after increasing in the previous year. Compliance expenses as a share of noninterest expense rose from 5.5 percent in 2014 to 8.1 percent in 2015 before dropping to 7.7 percent in 2016. The study suggested that this pattern of expenses may have been related to implementation of mortgage regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act. In 2016, compliance with mortgage-related regulations accounted for about one-third of all regulatory costs.

  • Record Number of College Student Teams Enter 2018 Community Bank Case Study Competition

    The Conference of State Bank Supervisors (CSBS) has announced a record number of college student teams have submitted case studies for the 2018 Community Bank Case Study Competition. This year’s competition focuses on how community banks are using technology. Fifty-one student teams from 45 colleges and universities across the nation met the April 9 deadline. Last year, 33 teams participated. This is the fourth year of the competition, which is open to undergraduate students in all fields of study as an opportunity to gain valuable first-hand knowledge of the banking industry.

  • Kansas City Fed Launches National Small Business Lending Survey

    research image In July 2017, the Board of Governors of the Federal Reserve System approved a new voluntary survey of U.S. commercial banks on their small business lending activities. The survey is being managed and administered by the Federal Reserve Bank of Kansas City. This report summarizes the results from the first survey period, which covers lending activity in the fourth quarter of 2017. The Small Business Lending Survey is a quarterly collection of quantitative and qualitative information that will be used to understand credit market conditions for bank lending to small businesses. The survey captures detailed, comprehensive information that is not otherwise available about small business lending and how it changes from quarter to quarter. Specifically, quantitative information is collected on commercial and industrial (C&I) loan amounts, interest rates, maturities, and lending terms for term loans and lines of credit with fixed and variable interest rates, and applications received and approved. In addition, qualitative information is collected on changes in credit standards and terms and loan demand, as well as reasons for those changes.

  • Community Banking in the 21st Century Emerging Scholars Applications

    Applications for the Community Banking in the 21st Century Emerging Scholars program are due Friday, June 8, 2018. First introduced as part of the 2015 conference, the Emerging Scholars Program is intended to support Ph.D. students who are considering or working on a dissertation on a banking-related topic. Three scholars will be selected to attend and participate in the 2018 conference, with their travel and lodging expenses paid by the program. Previous scholars have found attending the conference to be a very valuable experience.

  • Governor Quarles to Speak at 2018 Community Banking Research Conference

    Federal Reserve Vice Chair for Supervision Randal K. Quarles will deliver one of the keynote addresses during the sixth annual Community Banking in the 21st Century research and policy conference that will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis.The conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS), brings together community bankers, academics, policymakers and bank supervisors from across the country to discuss the latest academic research on community banking, as well as important policy issues facing the sector.


Conference News

  • Final Teams Announced For 2018 Case Study Competition

    The Conference of State Bank Supervisors (CSBS) has announced 54 student teams from 47 colleges and universities around the U.S. will participate in its 2018 Community Bank Case Study Competition. Each student team must develop an original case study that evaluates how community banks are using technology within day-to-day operations. Finalists will be announced during the CSBS State-Federal Supervisory Forum in Jacksonville, Florida on May 10, 2018. Additional information on the competition can be found on the case study competition website. more →

  • 2018 Call for Papers: Submissions Due June 15

    The call for papers for the 2018 Community Banking in the 21st Century research and policy conference is now open. The conference committee is seeking papers that explore all aspects of community banking, including: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks, significant challenges faced by community banks and new opportunities for community banks. The deadline to submit a detailed abstract or completed paper is June 15, 2018. Authors of accepted papers will be notified by August 3, 2018. more →

  • 114 teams apply to participate in 2018 CSBS Community Bank Case Study Competition

    The Conference of State Bank Supervisors received statements of interest from faculty advisors representing 114 undergraduate student teams for the 2018 Community Bank Case Study Competition. Applications were received from colleges and universities in 26 states. more →

  • 2018 conference scheduled for October 3–4!

    The 6th annual Community Banking in the 21st Century research and policy conference is scheduled for October 3 – 4, 2018, at the Federal Reserve Bank of St. Louis. The conference is jointly sponsored by the Federal Reserve System and the Conference of State Bank Supervisors. The conference brings together researchers, regulators and community bankers to discuss the latest research on community banking. more →

  • Chair Yellen Discusses “Vital Role” of Community Banks in U.S. Financial System

    Federal Reserve Chair Janet Yellen gave welcoming remarks during the 5th Annual Community Banking in the 21st Century research and policy conference, presented jointly by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Yellen discussed the Fed’s recent efforts to ensure that its regulation and supervision of community banks is tailored appropriately to the size, complexity, and role different institutions play in the financial system. more →

Research & Analysis