• Conference Committee Names 2018 Emerging Scholars

    The Community Banking in the 21st Century research and policy conference committee announced the names of those students selected as Emerging Scholars for 2018. Emerging Scholars are Ph.D. students who are considering or working on a dissertation on a banking-related topic. The conference committee congratulates Jiayi Xu, Auburn University; Cao Fang, University of Arkansas, and Xiaonan (Flora) Ma, University of South Carolina. Emerging Scholars are given the opportunity to attend the October 3 – 4, 2018 Community Banking in the 21st Century research and policy conference.

  • Cleveland Fed President Mester to Speak at 2018 Conference

    Loretta Mester Federal Reserve Bank of Cleveland President Loretta Mester will give the opening keynote address for the sixth annual Community Banking in the 21st Century research and policy conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. Federal Reserve Board of Governors Vice Chairman for Supervision Randal Quarles will also give keynote remarks on the second day. 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. Other guest speakers will include Federal Reserve Bank of St. Louis President James Bullard, Commissioner of the Mississippi Department of Banking and Consumer Finance and CSBS Chair Charlotte Corley and CSBS President and CEO John Ryan.

  • 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.


Conference News

  • Five Finalists Announced for the 2018 Community Bank Case Study Competition

    CSBS has announced that five student teams from universities across the nation have advanced to the final round of the 2018 Community Bank Case Study Competition. The student teams represent the following universities: Eastern Kentucky University, Southeastern Louisiana University, University of Missouri - Kansas City, Ohio State University and York College of Pennsylvania. Their case studies looked at how community banks are using technology to streamline processes and better serve their customers. more →

  • 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. more →

  • Kansas City Fed Launches National Small Business Lending Survey

    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. more →

  • Community Banking in the 21st Century Emerging Scholars for 2018

    Applications for Community Banking in the 21st Century Emerging Scholars program were due Friday, June 8, 2018. The names of the three scholars selected will be announced in July. They will have the opportunity to attend and participate in the 2018 sixth annual Community Banking in the 21st Century conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. The scholars' travel and lodging expenses will be paid by the program. 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. more →

  • 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. more →

Research & Analysis