Community Banking Research and Policy Conference

2025 Community Banking Research Conference

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.
Annual Survey

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
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

The Decline of Branch Banking

Poverty Spreads in Deposit Markets

Banks’ Images: Evidence from Financial Advertising
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

Supervising Failing Banks

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

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
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

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

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
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