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  • Beneficial’s Cuddy to Give Conference Evening Keynote

    Cuddy News

    Gerry Cuddy, president and CEO of Philadelphia-based Beneficial Bank, will give the evening keynote for the 2018 Community Banking in the 21st Century research and policy conference. Cuddy will speak the evening of Oct. 3 from the Gateway Conference Center at the Federal Reserve Bank of St. Louis. The conference and Cuddy's remarks will be webcast live via the conference website at communitybanking.org.

    Cuddy joined Beneficial as president and CEO in 2006. He has served on the boards of the Foreign Policy Research Institute, the…

  • Community Bank-Fintech Partners Featured in Closing Panel

    Lewis and Clark Bank, Oregon City, Ore., and Spring Bank, New York, N.Y. will join their respective fintech partners, Portland, Ore.-based Mirador Financial and New York City-based Happy Mango as part of the 2018 conference’s closing panel discussion on the future of community banking. The session, which will be moderated by American Banker’s Paul Davis, will feature Trey Maust, co-founder and executive vice chairman of Lewis and Clark Bank; Melanie Stern, director of consumer lending and CRA officer for Spring Bank; Trevor Dryer, co-founder and CEO of…

  • 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.

Conference News

  • Cleveland Fed President Mester to Speak at 2018 Conference

    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. more →

  • 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 →

  • Study Quantifies Compliance Costs for Community Banks

    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. 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 →

Research & Analysis