Conference Agenda Gateway Auditorium, 6th Floor | Federal Reserve Bank of St. Louis
October 7-8, 2025
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• Tuesday, October 7
• 9:00 a.m.

  Introduction

  James Fuchs

  Vice President, Federal Reserve Bank of St Louis

• 9:05 a.m.

  Welcoming Remarks

  Tony Salazar

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

• 9:15 a.m.

  2025 CSBS Annual Survey of Community Banks Presentation of Results

  Presenter: Thomas Siems

  Chief Economist, CSBS

  Presenter: Joey Samowitz

  Director, Policy Development, CSBS

  Presenter: Kathleen Navin

  Senior Business Economist, Federal Reserve Bank of St Louis

  Do Banking Regulations Disproportionately Impact Smaller Community Banks

  Thomas Siems, CSBS
• 10:00 a.m.

  Morning Keynote

  Brandon Milhorn

  President and CEO, Conference of State Bank Supervisors - CSBS

• 10:30 a.m.

  Break
• 11:00 a.m.

  Research Paper Session 1
  Deposit Franchise Value and Market Power

  Moderator: Elizabeth Berger

  Assistant Professor, University of Houston

  Community Bank Discussant: Bill Bickle

  Chief Risk Officer/Chief Credit Officer, Stockman Financial Corp./Stockman Bank of Montana, Miles City, Mont.

  The Decline of Branch Banking

  Poverty Spreads in Deposit Markets

  Banks’ Images: Evidence from Financial Advertising

  Xugan Chen, Yale School of Management
• 12:30 p.m.

  Lunch
• 1:30 p.m.

  Afternoon Plenary

  Andrew Felton

  Director of the Division of Insurance and Research, Federal Deposit Insurance Corporation

• 2:00 p.m.

  Research Paper Session 2
  Failed Banks

  Moderator: Christopher James

  William H. Dial/SunTrust Eminent Scholar, University of Florida

  Community Bank Discussant: Jim Edwards

  CEO, United Bank, Griffin, Ga.

  Supervising Failing Banks

  When Banks Fail: Depositor Attention and the Cost of Funding for Survivors

  Brian Jonghwan Lee, Emory University

  Bad Bank, Bad Luck? Evidence from 1 Million Firm-Bank Relationships

• 3:30 p.m.

  Afternoon Break
• 4:00 p.m.

  2025 CSBS Community Bank Case Study Competition Winning Presentation

  Moderator: Rhoshunda Kelly

  Commissioner, Mississippi Department of Banking and Consumer Finance

  Student Team - University of Tennessee at Martin

  Aaron Bartholomew, Anna Batte, Makenzi Bouras, Blair James and Hayden Weber

  Faculty Advisors

  John Clark, Dr. Brittany Cole, and Dr. Nell Gullett, University of Tennessee at Martin

• 4:45 p.m.

  Community Banker Keynote

  Introduction: Kara Hunter

  Commissioner, Colorado Division of Banking

  Alexander Price

  President and CEO, Citizens State Bank

• 5:30 p.m.

  Day One Reflections

  Carl White

  Senior Vice President, Federal Reserve Bank of St Louis

• 5:45 p.m.

  Dinner Reception
• Wednesday, October 8
• 8:20 a.m.

  Welcome and Introduction

  Introduction: Alberto Musalem

  President and CEO, Federal Reserve Bank of St Louis

• 8:30 a.m.

  Morning Keynote

  Michael Barr

  Governor, Board of Governors of the Federal Reserve System

• 9:00 a.m.

  Research Paper Session 3
  Innovation and Technology in Small Business Lending

  Moderator: John Hackney

  Assistant Professor of Finance, University of Arkansas

  Community Bank Discussant: Kenneth Kelly

  Chairman and CEO, First Independence Bank, Detroit, Mich.

  U.S. Banks’ Artificial Intelligence and Small Business Lending: Evidence from the Census Bureau’s Technology Survey

  Zhenhao (Jeffery) Piao, Trulaske College of Business, University of Missouri

  Regulation Meets Technology: Evolution of Small Business Lending in Underserved Areas since 2007

  Data as Collateral: Open Banking for Small Business Lending

• 10:30 a.m.

  Break
• 10:45 a.m.

  Panel Discussion
  Buy, Sell, Create, Redefine

  Moderator: Kyle Thomas

  Senior Advisor, Conference of State Bank Supervisors - CSBS

  Panelists

  David Coxon

  President and CEO, Georgia Primary Bank, Atlanta, Ga.

  Ilaria Rawlins

  CEO , Fortuna Bank, Grandview Heights, Ohio

  Leslie Andersen

  President and CEO, Bank of Bennington, Bennington, Neb.

  Randall Guynn

  Advisor, Board of Governors of the Federal Reserve System

• 11:45 a.m.

  Presentation of John W Ryan Award

  Brandon Milhorn

  President and CEO, Conference of State Bank Supervisors - CSBS

• 11:55 a.m.

  Concluding Remarks

  Ken Heinecke

  Senior Vice President, Federal Reserve Bank of Minneapolis

• Poster Papers

  Leverage without Risk Weights: A Double-Edged Reform for Community Banks

  Ruinan Liu, McMaster University

  Presentation Slides (PDF)  |  Video

  Mission Driven Lenders