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

• 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
• 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
• 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
• 8:30 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

• Poster Papers

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