Federal Reserve/Conference of State Bank Supervisors/FDIC presents the

2025 Community Banking Research Conference

Taking place Oct.7-8, the research conference will bring together community bankers, academics, policymakers and bank regulators to discuss the latest research on community banking.

Community Banking Research Conference

The thirteenth annual Community Banking Research Conference—sponsored by the Federal Reserve System, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC)—will be hosted on Oct. 7 and Oct. 8. The conference brings together community bankers, academics, policymakers and bank regulators to discuss the latest research on community banking.

The conference presents an innovative approach to the study of community banks. Academics explore issues raised by the industry in a neutral, empirical manner and present their findings at the conference. Community bankers contribute to an annual survey prior to the conference and then participate directly in the conference by serving as keynote speakers and panelists, and by providing feedback to the research presented. For more information, please contact conference@communitybanking.org.

Conference Agenda Gateway Auditorium, 6th Floor | Federal Reserve Bank of St. Louis
October 7-8, 2025

  • Tuesday, October 7
  • Introduction
    photo of James Fuchs James Fuchs

    Vice President, Federal Reserve Bank of St Louis

  • Welcoming Remarks
    photo of Tony Salazar Tony Salazar

    Commissioner of Financial Regulation, Maryland Department of Labor; Chair, CSBS

  • Annual Survey
    photo of Thomas Siems Presenter: Thomas Siems

    Chief Economist, CSBS

    photo of Joey Samowitz Presenter: Joey Samowitz

    Director, Policy Development, CSBS

    photo of Kathleen  Navin Presenter: Kathleen Navin

    Senior Business Economist, Federal Reserve Bank of St Louis

  • Morning Keynote
    photo of Brandon Milhorn Brandon Milhorn

    President and CEO, Conference of State Bank Supervisors - CSBS

  • Break
  • Research Paper Session 1
    Deposit Franchise Value and Market Power
  • Lunch
  • Afternoon Plenary
  • Research Paper Session 2
    Failed Banks
  • Afternoon Break
  • 2025 CSBS Community Bank Case Study Competition Winning Presentation
  • Community Banker Keynote
  • Day One Reflections
    photo of Carl White Carl White

    Senior Vice President, Federal Reserve Bank of St Louis

  • Dinner Reception
  • Wednesday, October 8
  • Morning Keynote
  • Research Paper Session 3
    Innovation and Technology in Small Business Lending
  • Break
  • Panel Discussion
    Buy, Sell, Create, Redefine
  • Presentation of John W Ryan Award
    photo of Brandon Milhorn Brandon Milhorn

    President and CEO, Conference of State Bank Supervisors - CSBS

  • Concluding Remarks
  • Poster Papers