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

• Tuesday, October 6
• 9:00 a.m.

  Introduction

  James Fuchs

  Vice President, Federal Reserve Bank of St Louis

• 9:05 a.m.

  Welcome Remarks

  Rhoshunda Kelly

  Commissioner, Mississippi Department of Banking and Consumer Finance

• 9:15 a.m.

  Annual Survey

  Joey Samowitz

  Senior Director, Policy Development, CSBS

  Thomas Siems

  Chief Economist, CSBS

• 10:00 a.m.

  Morning Keynote
• 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

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

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

• 12:30 p.m.

  Lunch
• 1:30 p.m.

  Afternoon Plenary
• 2:00 p.m.

  Research Paper Session 2
  The Geography of Banking

  Credit Without Proximity: Informational Frictions and Unequal Gains from Technology

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

  Geographically Concentrated Banks and the Amplification of Regional Economic Shocks

• 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.

  Day One Reflections
• 5:45 p.m.

  Dinner Reception
• Monday, January 1
• 8:30 a.m.

  Morning Keynote
• 9:00 a.m.

  Research Paper Session 3
  The Competitive Edge of Community Banks

  The Economic Payoff of Civic Engagement: Evidence from Community Banks

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

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

• 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

• Poster Papers

  Rate Channeling Through Deposit Menus

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