Conference Agenda 6th Floor, 6th Floor | Federal Reserve Bank of St. Louis
October 6-7, 2026

• Tuesday, October 6
• 8:45 a.m.

  Introduction

  James Fuchs

  Vice President, Federal Reserve Bank of St Louis

• 8:50 a.m.

  Welcome Remarks

  Rhoshunda Kelly

  Commissioner, Mississippi Department of Banking and Consumer Finance

• 9:00 a.m.

  Annual Survey

  Julie Baer

  Senior Manager, Federal Reserve Bank of St Louis

  Parker Marshall

  Analyst, CSBS

  Thomas Siems

  Chief Economist, CSBS

• 9:45 a.m.

  Morning Keynote

  Michelle Bowman

  Vice Chair for Supervision, Federal Reserve Board of Governors

• 10:30 a.m.

  Break
• 11:00 a.m.

  Research Paper Session 1
  Credit Unions and the Value of the Tax Subsidy

  The Transmission of Corporate Tax Cuts to Consumer Loans: Evidence from the TCJA

  João Granja, The University of Chicago

  Cross-Charter Consolidation: Evidence from Credit Union Acquisitions of Community Banks

  David Huberdeau Reid, The University of Memphis

  Does the Credit Union Tax Exemption Affect Competition in Local Lending Markets? Evidence from the TCJA

  Tanya Paul , University of California, Berkeley
• 12:30 p.m.

  Lunch
• 1:30 p.m.

  Afternoon Plenary

  Travis Hill

  Chairman, Federal Deposit Insurance Corporation

• 2:00 p.m.

  Research Paper Session 2
  The Geography of Banking

  Credit Without Proximity: Informational Frictions and Unequal Gains from Technology

  Quinn Maingi, University of Southern California

  Going the Distance? Bank-customer proximity, applicant demographics, and credit access

  Leo Pugachev, University of Missouri

  Geographically Concentrated Banks and the Amplification of Regional Economic Shocks

  SungJe Byun, Federal Reserve Bank of Dallas
• 3:30 p.m.

  Afternoon Break
• 4:00 p.m.

  2026 CSBS Community Bank Case Study Competition Winning Presentation
• 4:45 p.m.

  Community Banker Keynote

  Jill Castilla

  Chairman, President, and CEO , Citizens Bank of Edmond, Edmond, Oklahoma

• 5:30 p.m.

  Dinner Reception
• Wednesday, October 7
• 8:30 a.m.

  Morning Keynote

  Brandon Milhorn

  President and CEO, Conference of State Bank Supervisors - CSBS

• 9:00 a.m.

  Research Paper Session 3
  The Competitive Edge of Community Banks

  The Economic Payoff of Civic Engagement: Evidence from Community Banks

  Alvaro Taboada, Mississippi State University

  Banking Local: Media Slant, Erosion of Trust and Financial Decisions

  Elizabeth Berger, University of Houston

  Smaller Banks, Smarter Lending? Evidence from the Commercial Real Estate Market

  Alexei Tchistyi, Cornell University
• 10:30 a.m.

  Break
• 10:45 a.m.

  Panel Discussion
  Future of Deposits
• 11:45 a.m.

  Presentation of the John W. Ryan Award
• 11:55 a.m.

  Concluding Remarks

  Carl White

  Executive Vice President, Federal Reserve Bank of St Louis

• Poster Papers

  Rate Channeling Through Deposit Menus

  Prithu Vatsa, University of Texas at El Paso

  Bank Supervision as Information Production: Evidence from U.S. Bank Holding Companies

  Filippo Curti, Federal Reserve Bank of Richmond