Conference News

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Sep 202128

2021 Community Banking Virtual Conference Continues Wednesday

The second day of the ninth annual Community Banking in the 21st Century research and policy conference continues Wednesday, September 29, 2021, from 1-4 p.m. Eastern Time. Darrin Williams, CEO of Arkadelphia, Arkansas-based Southern Bancorp Inc., will kick things off with this year's community banker keynote speech.

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Sep 202128

2021 Community Banking Virtual Conference Starts Today

Attendees from around the world will participate in the two-day Community Banking in the 21st Century research and policy conference, which will begins today at 1 p.m. Eastern Time. The conference is being held virtually and will be livestreamed via the conference website's homepage. Today's sessions end at 4 p.m. Tomorrow's sessions will also be held from 1 p.m. - 4 p.m. ET. This is the ninth year of the conference, co-sponsored by the Federal Reserve System, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC).

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Sep 202114

The 2021 Conference's Pre-Recorded Paper Presentations

Due to the significant number of submissions to the 2021 conference, and the condensed nature of the virtual conference format, the presentations of three of the 11 top papers selected by the research committee have been pre-recorded and will be available to view ahead of this year’s Community Banking in the 21st Century research and policy conference.

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Jul 202126

2021 Conference Papers Selected

The Federal Reserve System, the Conference of State Bank Supervisors, and the Federal Deposit Insurance Corp. are pleased to announce the papers that have been selected for presentation at the ninth annual Community Banking the 21st Century research and policy conference, which will be held virtually Sept. 28-29, 2021.

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May 202128
FDIC Chairman Jelena McWilliams

FDIC Chairman Jelena McWilliams Will Address 2021 Conference

Jelena McWilliams, chairman of the Federal Deposit Insurance Corp. (FDIC), will address the 2021 Community Banking in the 21st Century research and policy conference, which will be held Sept. 28 - 29, 2021. Co-sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the FDIC, the 2021 conference will be the ninth annual gathering of community bankers, academics, policymakers and bank regulators to discuss the latest research on community banking.

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Apr 202130
Bowman_Michelle

Federal Reserve Governor Michelle Bowman to Give Keynote Remarks

Federal Reserve Governor Michelle Bowman will give keynote remarks for the ninth annual Community Banking in the 21st Century research and policy conference, which will be held Sept. 28-Sept. 29, 2021. The conference is sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp.(FDIC).

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Apr 202127

Applications Now Being Accepted for the 2021 Emerging Scholars Program

Applications are now being accepted for the Emerging Scholars program as part of the 2021 Community Banking in the 21st Century research and policy conference. The program welcomes Ph.D. students who are considering or working on a dissertation on a banking-related topic. All applications are due June 14, 2021 and up to three winners will be announced July 31, 2021.

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Mar 202131
2020 CSBS Case Study

2021 CSBS Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced that 52 student teams from 37 colleges and universities across the nation have entered the 2021 CSBS Community Bank Case Study Competition.

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Jan 202129

2021 Call for Papers And Award for Top Paper Now Open

The call for papers for the 2021 Community Banking in the 21st Century research and policy conference is now open through June 4. This is the ninth year for the conference, which is sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC). The goal of the conference is to bring together leading academics, CEOs and presidents of community banks, and senior leadership from the Fed, CSBS and the FDIC.

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Oct 202030

Most Significant Contribution for Banking Research Paper for 2020 Announced

The conference committee is pleased to announce the selection of “Shared Destinies? Small Banks and Small Business Consolidation” as the paper that made the “most significant contribution to banking research” at the 2020 Community Banking in the 21st Century research and policy conference. The authors of the winning paper are Claire Brennecke, economist, Consumer Financial Protection Bureau, Stefan Jacewitz, chief of the Quantitative Risk Analysis Section of the Federal Deposit Insurance Corp. (FDIC) and Jonathan Pogach, chief of the FDIC’s Financial Modeling and Research Section.

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Oct 202001

2020 Community Banking Conference Continues Thursday

The second day of the eighth annual Community Banking in the 21st Century research and policy conference continues Thursday from at 1-4 p.m. Eastern Time. Laurie Stewart, president and CEO of Seattle, Washington-based Sound Community Bank, will kick things off with this year's community banker keynote speech. The conference is being held virtually via the Webex meeting platform this year due to the COVID-19 pandemic. It is also being livestreamed and can be viewed via this website's homepage.

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Oct 202001

CSBS "Five Questions for Five Bankers" Now Available Online

The Conference of State Bank Supervisors (CSBS) has released its "Five Questions for Five Bankers" compilation as a separate publication this year. The compilation, usually included as part of the annual CSBS National Survey of Community Banks, is comprised of responses from bankers from around the country that provide qualitative insights that complement the data reported in the survey.

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Sep 202030

2020 Community Banking Virtual Conference Starts Today

Attendees from around the world will participate in the eighth annual Community Banking in the 21st Century research and policy conference, which will begins today at 1 p.m. Eastern Time. The conference is being held virtually via the Webex meeting platform this year due to the COVID-19 pandemic. It is also being livestreamed and can be viewed via this website's homepage.

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Sep 202030

CSBS Survey Shows Pandemic Impact on Community Banks

Concern about business conditions surpassed funding as the greatest challenge for community banks as they navigated the impact of the coronavirus pandemic, according to the Conference of State Bank Supervisors’ (CSBS) seventh annual national survey of community banks.

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Sep 202030

2020 Conference Recognizes Two Additional Research Papers of Topical Note

Due to the significant number of submissions to the 2020 conference, a number of high quality papers were not able to be fully integrated into this year’s proceedings. The conference’s research committee identified two such papers that it wanted to highlight on the conference website. These “additional papers of topical note” have been posted to the website, along with a recorded video presentation by an author from each team in which they discuss their key findings.

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Sep 202030

CSBS Releases 2020 Journal of Community Bank Case Studies

The Conference of State Bank Supervisors (CSBS) has released its annual Journal of Community Bank Case Studies. This year's volume features the top three submissions for this year's academic competition that examined the impact of the Bank Secrecy Act and Anti-Money Laundering (BSA/AML) requirements on community banks: Mississippi State University, Starkville, Mississippi; James Madison University, Harrisonburg, Virginia, and Mansfield University of Pennsylvania. The first place team. Mississippi State, will present its findings on the second day of the conference at 1:30 p.m. ET.

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Aug 202031

2020 Emerging Scholars Announced

The Community Banking in the 21st Century research and policy conference committee is pleased to announce the names of the four students selected as Emerging Scholars for 2020.

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Aug 202014

Virtual 2020 Conference Set for Sept. 30-Oct. 1

Community bankers, academics, policymakers and bank supervisors from around the world will meet virtually the afternoons of Sept. 30-Oct.1 for the eighth annual Community Banking in the 21st Century research and policy conference. Given the nature of the virtual environment, the conference will be condensed to a timeframe of 1 p.m.-4 p.m. Eastern Time, with optional post-plenary meetings held at the end of each day.

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Jun 202030

The 2020 Conference is Going Virtual

Conference organizers have continued to closely monitor the situation regarding the COVID-19 pandemic, given that the health and safety of attendees, as well as the academic standards of the conference, are of the highest priority. To this end, the 2020 conference will be hosted as a virtual event that will span two afternoon sessions on Sept. 30 and Oct. 1, 2020. More details, including a preliminary agenda and how to register, will be coming soon.

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Jun 202018
Square

Mississippi State University Wins 2020 CSBS Case Study Competition

A team from Mississippi State University has been named the winner of the 2020 CSBS Case Study Competition. A total of 37 teams from 33 colleges and universities across 18 states participated in this year's competition. A team from James Madison University placed second, with a team from Mansfield University of Pennsylvania placing third.

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May 202029
Fed Governor Michelle Bowman

Federal Reserve Governor Michelle Bowman to Give 2020 Conference Keynote

Federal Reserve Governor Michelle Bowman will give keynote remarks for the eighth annual Community Banking in the 21st Century research and policy conference that is scheduled for Sept. 30-Oct.1, 2020. Bowman took office as a member of the Board of Governors of the Federal Reserve System on November 26, 2018, to fill an unexpired term ending January 31, 2020. She was reappointed to the Board on January 23, 2020, and sworn in on January 30, 2020, for a term ending January 31, 2034. Prior to her appointment, she served as the state bank commissioner of Kansas from January 2017 to November 2018. She also served as vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017.

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May 202029

Judging Now Underway for the 2020 CSBS Case Study Competition; Top Three to Be Announced June 18

A total of 37 teams from 33 colleges and universities across 18 states have made submissions for the CSBS 2020 Community Bank Case Study Competition. This is the sixth year of the competition, which is open to undergraduate students as an opportunity to gain valuable first-hand knowledge of the banking industry. The student teams partner with a local bank to examine compliance challenges, associated time and costs and identify potential regulatory reforms. This year’s competition focuses on the impact of the Bank Secrecy Act and Anti-Money Laundering (BSA-AML) requirements on community banks. The top three teams will be announced on June 18. Each student member and faculty advisor of the first-place winning team will receive a $1,000 scholarship and be invited to present at the 2020 conference.

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Apr 202029
mcwilliamsprofile

FDIC Chairman McWilliams to Give 2020 Conference Keynote

Jelena McWilliams, chairman of the Federal Deposit Insurance Corp. (FDIC), will give a keynote address as part of the eighth annual Community Banking in the 21st Century research and policy conference. The conference is scheduled to be held Sept. 30 - Oct. 1, 2020, at the Federal Reserve Bank of St. Louis.

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Apr 202022
Research Panel 1 Black

2020 Call for Papers Deadline Extended Through June 12

The call for papers for the 2020 Community Banking in the 21st Century research and policy conference has been extended until June 12. Authors of accepted papers will be notified by July 24, 2019. The conference is scheduled to be held Sept. 30-Oct. 1 at the Federal Reserve Bank of St. Louis. However, the conference committee is closely monitoring the COVID-19 situation. Given that the health and safety of attendees and the academic standards of the conference are of utmost priority, it is developing a plan to move the conference to an online format if necessary.

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Feb 202005
Research Panel 1 Black

2020 Call for Papers Open Through June 5

The call for papers for the 2020 Community Banking in the 21st Century research and policy conference is now open through June 5. Authors of accepted papers will be notified by July 19, 2019. Each of the academic papers chosen to be presented at the conference will also be considered for an award that recognizes the paper that makes the most significant contribution to banking policy. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., will be held Sept. 30-Oct. 1 in at the Federal Reserve Bank of St. Louis.

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Oct 201922
Research Panel 1 Black

2019's "Most Significant Contribution to Banking Policy" Paper Announced

The conference committee has announced the selection of “Who’s Holding the Bag? Regulatory Compliance Pressure and Bank Risk-Shifting” by Lamont Black of DePaul University and John Hackney of the University of South Carolina as the paper that made the “most significant contribution to banking policy” at the 2019 Community Banking in the 21st Century research and policy conference.

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Oct 201901
2019 Conference Volume

2019 Survey Shows Community Bankers' Concerns Shift to Funding

Funding and cybersecurity top the concerns for community banks, according to the latest annual community bank survey conducted by the Conference of State Bank Supervisors (CSBS). The survey was released Tuesday with the conference volume of the seventh annual Community Banking in the 21st Century research and policy conference. The conference, which is sponsored by the Federal Reserve System, CSBS and the Federal Deposit Insurance Corp., is hosted each fall at the Federal Reserve Bank of St. Louis.

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Sep 201930
undescribed

2019 Conference Kicks Off Tuesday Morning

Community bankers, academics, policymakers and bank supervisors from across the country will meet Tuesday and Wednesday at the Federal Reserve Bank of St. Louis for the seventh annual Community Banking in the 21st Century research and policy conference. The conference, sponsored by the Federal Reserve System, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., features the latest in community banking research and will be webcast live throughout both days.

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Sep 201927

2019 Commissioner Perspectives: Lise Kruse of North Dakota

Lise Kruse, commissioner of the North Dakota Department of Financial Institutions, discusses the importance of community banking in her state. Her department not only oversees 68 state-chartered banks with total assets of $26 billion, it oversees the only state-owned bank in the nation, with assets of close to $7 billion.

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Sep 201927

2019 Spotlight: American State Bank and Trust, Williston, North Dakota

Dave Hanson, president and CEO of American State Bank and Trust Company in Williston, North Dakota, discusses the bank's 113 years in the community and how it survived several oil and gas booms and busts over the decades. He also reflects on the bank's relationship with long-time customer Industrial Equipment, which began as a start-up in 1999 in the home of one of the three founders and which has experienced great commercial success in the oil and gas sector.

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Sep 201919

2019 Spotlight: Bank of Kilmichael

Buddy Mortimer, CEO of the Bank of Kilmichael in Kilmichael, Miss., and Stan Blaylock, senior vice president, discuss the bank's history and its relationship with family-owned Gun Dog Supply, a popular online retailer of hunting dog training gear and supplies. Steve Snell, Gun Dog Supply president, provides a look into the business of dog hunting supplies and discusses how the bank has assisted with the growth of the company.

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Sep 201914

2019 Spotlight: Bank of Bird-in-Hand, Pennsylvania

Lori Maley, president and CEO of Bank of Bird-in-Hand, Bird-in-Hand, Pa., and Bill O'Brien, executive vice president and chief lending officer, discuss how their team has tailored the bank's services for the members of its Amish community, as well as for their non-Amish neighbors and businesses. Kevin Eshleman, lead pastor of Ephrata Church, Ephrata, Pa., explains how the Bank of Bird-in-Hand helped his fast-growing congregation build a new place to worship that they also offer as a gathering place for all members of the community.

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Jul 201928
EmergingScholar

2019 Emerging Scholars Announced

The Community Banking in the 21st Century research and policy conference committee is pleased to announce the names of the three students selected as Emerging Scholars for 2019: Thi Hong Nguyen Nguyen of Auburn University; Kuan Liu of the University of Wisconsin-Madison and Prithu Vatsa of the University of Miami.

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Jul 201926
undescribed

Twelve Papers Selected for the 2019 Conference

The Federal Reserve System, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp. are pleased to announce that 12 papers have been selected for presentation at the seventh annual community bank research and policy conference, to be held October 1-2, 2019, at the Federal Reserve Bank of St. Louis.

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Jun 201927

Reading Cooperative Bank CEO Julieann Thurlow to Give Evening Keynote

Julieann Thurlow, president and CEO of Reading Cooperative Bank, Reading, Mass., will give the community banker evening keynote speech for the seventh annual Community Banking in the 21st Century research and policy conference. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corporation (FDIC), will be held Oct. 1-2, 2019, at the Federal Reserve Bank of St. Louis.

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May 201923

Juniata College Students Win First Place in CSBS Community Bank Competition

The Conference of State Bank Supervisors (CSBS) today named Juniata College students as winners of the 2019 Community Bank Case Study Competition. The winning Juniata College student team members are David Hibner, Katherine Migatulski, Wyatt Page and Matthew Schaeffer. Sinéad Gallagher served as faculty advisor and Kish Bank, based in Belleville, Pa., was the team’s community bank partner.

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May 201901
PHarker

Philadelphia Fed President Harker to Deliver Second Day Keynote

Patrick Harker, President of the Federal Reserve Bank of Philadelphia, is slated to give the second day keynote address during the seventh annual Community Banking in the 21st Century research and policy conference. The conference will be held Oct. 1-2, 2019, at the Federal Reserve Bank of St. Louis. It is co-sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the FDIC.

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Apr 201903
Bowman_Michelle

Fed Gov. Bowman Discusses Importance of Strong Community Banking Sector; Cites 2018 Survey

Federal Reserve Governor Michelle (Miki) Bowman discussed the importance of a strong community banking sector in a speech at a meeting of the Conference of State Supervisors (CSBS) held in Washington, D.C. on April 2. Bowman also cited findings from the 2018 CSBS Survey of Community Banks, which is conducted in tandem with each year's Community Banking in the 21st Century research and policy conference.

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Jan 201914
highlightcoverphoto

Save the Date for the 2019 Conference; View 2018 Highlights Reel

The seventh annual Community Banking in the 21st Century research and policy conference has been scheduled for Oct. 1-2, 2019. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., will be held at the Federal Reserve Bank of St. Louis and webcast live. A highlight reel of the 2018 conference is now available to view online.

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Oct 201830

Conference Committee Announces Paper with Most Significant Contribution to Banking Policy

The conference committee has announced the selection of “The Effects of Competition in Consumer Credit Markets,” by Stefan Gissler, Rodney Ramcharan and Edison Yu, as the paper that made the “most significant contribution to banking policy” at the 2018 Community Banking in the 21 st Century research and policy conference. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the FDIC, was held Oct. 3-4, 2018 at the Federal Reserve Bank of St. Louis.

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Oct 201801

Community Banking in Action 2018: South Dakota Commissioner Bret Afdahl

Bret Afdahl, director of the South Dakota Division of Banking, discusses how community banks serve as the trusted advisers and counselors of small businesses in their respective communities; how they stick with these businesses through thick and thin, contributing to long-term local economic stability in times of transition and change.

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Sep 201825
fdic

FDIC Joins the Fed and CSBS as Conference Sponsor

The Federal Deposit Insurance Corp. (FDIC) is joining the Federal Reserve and the Conference of State Bank Supervisors (CSBS) in sponsoring the annual Community Banking in the 21st Century research and policy conference. The sixth annual conference, which brings together community bankers, academics, policymakers and bank supervisors from around the country, will meet Oct. 3-4 at the Federal Reserve Bank of St. Louis.

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Sep 201825

Community Banking in Action 2018: Brattleboro Savings and Loan and the New England Center for Circus Arts

Dan Yates, president and CEO of Brattleboro Savings and Loan in Brattleboro, Vt., and twin sisters Elsie Smith and Serenity Smith-Forchion, former trapeze artists with Cirque du Soleil and founders of the New England Center for Circus Arts, discuss how the bank worked with them to build a trapezium for their world-renowned circus arts school located in Brattleboro.

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Jul 201809

Conference Committee Names 2018 Emerging Scholars

The Community Banking in the 21st Century research and policy conference committee announced the names of those students selected as Emerging Scholars for 2018. Emerging Scholars are Ph.D. students who are considering or working on a dissertation on a banking-related topic. The conference committee congratulates Jiayi Xu, Auburn University; Cao Fang, University of Arkansas, and Xiaonan (Flora) Ma, University of South Carolina. Emerging Scholars are given the opportunity to attend the October 3 – 4, 2018 Community Banking in the 21st Century research and policy conference.

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May 201803
Loretta Mester

Cleveland Fed President Mester to Speak at 2018 Conference

Federal Reserve Bank of Cleveland President Loretta Mester will give the opening keynote address for the sixth annual Community Banking in the 21st Century research and policy conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. Federal Reserve Board of Governors Vice Chairman for Supervision Randal Quarles will also give keynote remarks on the second day. The conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS), brings together community bankers, academics, policymakers and bank supervisors from across the country to discuss the latest academic research on community banking, as well as important policy issues facing the sector. Other guest speakers will include Federal Reserve Bank of St. Louis President James Bullard, Commissioner of the Mississippi Department of Banking and Consumer Finance and CSBS Chair Charlotte Corley and CSBS President and CEO John Ryan.

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Apr 201827

Five Finalists Announced for the 2018 Community Bank Case Study Competition

CSBS has announced that five student teams from universities across the nation have advanced to the final round of the 2018 Community Bank Case Study Competition. The student teams represent the following universities: Eastern Kentucky University, Southeastern Louisiana University, University of Missouri - Kansas City, Ohio State University and York College of Pennsylvania. Their case studies looked at how community banks are using technology to streamline processes and better serve their customers.

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Apr 201819

Study Quantifies Compliance Costs for Community Banks

A study released using data compiled in surveys by the Conference of State Bank Supervisors (CSBS) shows that the burden of regulatory compliance for community banks declined in 2016 after increasing in the previous year. Compliance expenses as a share of noninterest expense rose from 5.5 percent in 2014 to 8.1 percent in 2015 before dropping to 7.7 percent in 2016. The study suggested that this pattern of expenses may have been related to implementation of mortgage regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act. In 2016, compliance with mortgage-related regulations accounted for about one-third of all regulatory costs.

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Apr 201812

Record Number of College Student Teams Enter 2018 Community Bank Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced a record number of college student teams have submitted case studies for the 2018 Community Bank Case Study Competition. This year’s competition focuses on how community banks are using technology. Fifty-one student teams from 45 colleges and universities across the nation met the April 9 deadline. Last year, 33 teams participated. This is the fourth year of the competition, which is open to undergraduate students in all fields of study as an opportunity to gain valuable first-hand knowledge of the banking industry.

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Apr 201812
research image

Kansas City Fed Launches National Small Business Lending Survey

In July 2017, the Board of Governors of the Federal Reserve System approved a new voluntary survey of U.S. commercial banks on their small business lending activities. The survey is being managed and administered by the Federal Reserve Bank of Kansas City. This report summarizes the results from the first survey period, which covers lending activity in the fourth quarter of 2017. The Small Business Lending Survey is a quarterly collection of quantitative and qualitative information that will be used to understand credit market conditions for bank lending to small businesses. The survey captures detailed, comprehensive information that is not otherwise available about small business lending and how it changes from quarter to quarter. Specifically, quantitative information is collected on commercial and industrial (C&I) loan amounts, interest rates, maturities, and lending terms for term loans and lines of credit with fixed and variable interest rates, and applications received and approved. In addition, qualitative information is collected on changes in credit standards and terms and loan demand, as well as reasons for those changes.

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Apr 201809

Community Banking in the 21st Century Emerging Scholars for 2018

Applications for Community Banking in the 21st Century Emerging Scholars program were due Friday, June 8, 2018. The names of the three scholars selected will be announced in July. They will have the opportunity to attend and participate in the 2018 sixth annual Community Banking in the 21st Century conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. The scholars' travel and lodging expenses will be paid by the program. First introduced as part of the 2015 conference, the Emerging Scholars Program is intended to support Ph.D. students who are considering or working on a dissertation on a banking-related topic.

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Mar 201808

Governor Quarles to Speak at 2018 Community Banking Research Conference

Federal Reserve Vice Chair for Supervision Randal K. Quarles will deliver one of the keynote addresses during the sixth annual Community Banking in the 21st Century research and policy conference that will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis.The conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS), brings together community bankers, academics, policymakers and bank supervisors from across the country to discuss the latest academic research on community banking, as well as important policy issues facing the sector.

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Feb 201826

Final Teams Announced For 2018 Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced 54 student teams from 47 colleges and universities around the U.S. will participate in its 2018 Community Bank Case Study Competition. Each student team must develop an original case study that evaluates how community banks are using technology within day-to-day operations. Finalists will be announced during the CSBS State-Federal Supervisory Forum in Jacksonville, Florida on May 10, 2018. Additional information on the competition can be found on the case study competition website.

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Feb 201802

2018 Call for Papers: Submissions Due June 15

The call for papers for the 2018 Community Banking in the 21st Century research and policy conference is now open. The conference committee is seeking papers that explore all aspects of community banking, including: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks, significant challenges faced by community banks and new opportunities for community banks. The deadline to submit a detailed abstract or completed paper is June 15, 2018. Authors of accepted papers will be notified by August 3, 2018.

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Nov 201728

2018 conference scheduled for October 3–4!

The 6th annual Community Banking in the 21st Century research and policy conference is scheduled for October 3 – 4, 2018, at the Federal Reserve Bank of St. Louis. The conference is jointly sponsored by the Federal Reserve System and the Conference of State Bank Supervisors. The conference brings together researchers, regulators and community bankers to discuss the latest research on community banking.

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Nov 201714

Chair Yellen Discusses “Vital Role” of Community Banks in U.S. Financial System

Federal Reserve Chair Janet Yellen gave welcoming remarks during the 5th Annual Community Banking in the 21st Century research and policy conference, presented jointly by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Yellen discussed the Fed’s recent efforts to ensure that its regulation and supervision of community banks is tailored appropriately to the size, complexity, and role different institutions play in the financial system.

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Oct 201705

CSBS Releases 2017 Journal of Community Bank Case Studies

The Conference of State Bank Supervisors (CSBS) has released the 2017 Journal of Community Bank Case Studies. The Journal showcases the work of the top undergraduate student teams that participate in the annual CSBS Community Bank Case Study Competition. The competition partners undergraduate student teams with community banks to conduct original case studies focused on a variety of topics. Download the 2017 Journal of Community Bank Case Studies.

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Oct 201705

2017 National Survey of Community Banks Findings Released

The Federal Reserve and the Conference of State Bank Supervisors today released the findings from the 2017 National Survey of Community Banks. Survey responses were obtained from 611 community bankers in 37 states, and provide insights into what community bankers are thinking about key issues facing their industry. The survey questions addressed changes in bank lines of business, regulatory compliance, competition and consolidation. The 2017 survey also asked specific questions about small business lending and challenges and opportunities posed by financial technology firms. Download the 2017 National Survey of Community Banks.

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Oct 201705

San Francisco Fed President John Williams Discusses “New Normal” For the Economy

San Francisco Fed President John Williams gave the keynote address on the second day of the 2017 Community Banking in the 21st Century research and policy conference, presented jointly by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). President Williams highlighted the Fed’s move toward a more normal monetary policy and discussed the implications of rising interest rates.

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May 201701

2016 National Survey of Community Banks Cited in the Wall Street Journal

The 2016 Community Banking in the 21st Century research and policy conference's national survey of community banks was cited in an April 24, 2017, Wall Street Journal column, "A Plan to Give Community Banks Relief from Dodd-Frank." The article cites data from the 2016 national survey that estimates compliance costs for community banks at $4.5 billion annually. The national survey is conducted annually by the state banking commissioners.

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Apr 201728

National Survey of Community Banks Is Now Live

State banking commissioners from across the U.S. began distributing a link to the 2017 National Survey of Community Banks in mid-April. Results from the survey will be presented during the 2017 Community Banking in the 21st Century research and policy conference, taking place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Community bankers interested in taking the 2017 national survey should contact their state banking commissioner. The survey will remain open through June 30. Read the results of the 2016 survey (PDF).

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Apr 201728

Judging Begins May 1 for 2017 Community Bank Case Study Competition

First-round judging for the 2017 Community Bank Case Study Competition will begin on May 1. A multidisciplinary panel of judges—comprising academics, regulators and community bankers—has been assembled to evaluate submissions from the 33 teams participating in this year's competition. Each student team was asked to develop an original case study that evaluates and provides recommendations for a bank's leadership succession plan. The names of the top three teams will be announced on May 25 during a live webcast that will be video streamed on the case study competition website: www.csbs.org/bankcasestudy.

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Apr 201728

Call for Papers: Submissions Due June 16

The Federal Reserve System and CSBS are seeking papers for the 2017 Community Banking in the 21st Century research and policy conference. The conference committee invites submissions that address all aspects of community banking, including but not limited to: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks; significant challenges faced by community banks; and new opportunities for community banks. The conference will take place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Papers should be submitted by June 16 to conference@communitybanking.org.

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Apr 201720

National Survey of Community Banks Now Live

On Monday, April 17, state banking commissioners from across the country began to distribute a link to the 2017 National Survey of Community Banks to community banks in their states. The survey, conducted by the state banking regulatory agencies and CSBS, is designed to give researchers and policymakers an opportunity to hear directly from bankers on a range of important topics. Results from the survey will be compiled and presented during the 2017 Community Banking in the 21st Century research and policy conference. Read the findings from the 2016 survey (PDF)

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Mar 201730

Call for Papers: Submissions Due June 16 for the 2017 Conference

The Federal Reserve System and CSBS are seeking papers for the 2017 Community Banking in the 21st Century research and policy conference. The conference committee invites submissions that address all aspects of community banking, including but not limited to: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks; significant challenges faced by community banks; and new opportunities for community banks. The conference will take place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Papers should be submitted by June 16 to conference@communitybanking.org.

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Mar 201730

San Francisco Fed President Williams to Speak at 2017 Conference

Federal Reserve Bank of San Francisco President and CEO John Williams will deliver one of the keynote addresses during the 2017 Community Banking in the 21st Century research and policy conference, taking place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Opening remarks will be given by St. Louis Fed President James Bullard and Conference of State Bank Supervisors (CSBS) Chairman-Elect Albert L. Forkner, State Banking Commissioner, Wyoming Division of Banking.

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Jul 202126

2021 Conference Papers Selected

The Federal Reserve System, the Conference of State Bank Supervisors, and the Federal Deposit Insurance Corp. are pleased to announce the papers that have been selected for presentation at the ninth annual Community Banking the 21st Century research and policy conference, which will be held virtually Sept. 28-29, 2021.

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May 202128
FDIC Chairman Jelena McWilliams

FDIC Chairman Jelena McWilliams Will Address 2021 Conference

Jelena McWilliams, chairman of the Federal Deposit Insurance Corp. (FDIC), will address the 2021 Community Banking in the 21st Century research and policy conference, which will be held Sept. 28 - 29, 2021. Co-sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the FDIC, the 2021 conference will be the ninth annual gathering of community bankers, academics, policymakers and bank regulators to discuss the latest research on community banking.

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Apr 202130
Bowman_Michelle

Federal Reserve Governor Michelle Bowman to Give Keynote Remarks

Federal Reserve Governor Michelle Bowman will give keynote remarks for the ninth annual Community Banking in the 21st Century research and policy conference, which will be held Sept. 28-Sept. 29, 2021. The conference is sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp.(FDIC).

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Apr 202127

Applications Now Being Accepted for the 2021 Emerging Scholars Program

Applications are now being accepted for the Emerging Scholars program as part of the 2021 Community Banking in the 21st Century research and policy conference. The program welcomes Ph.D. students who are considering or working on a dissertation on a banking-related topic. All applications are due June 14, 2021 and up to three winners will be announced July 31, 2021.

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Mar 202131
2020 CSBS Case Study

2021 CSBS Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced that 52 student teams from 37 colleges and universities across the nation have entered the 2021 CSBS Community Bank Case Study Competition.

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Jan 202129

2021 Call for Papers And Award for Top Paper Now Open

The call for papers for the 2021 Community Banking in the 21st Century research and policy conference is now open through June 4. This is the ninth year for the conference, which is sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC). The goal of the conference is to bring together leading academics, CEOs and presidents of community banks, and senior leadership from the Fed, CSBS and the FDIC.

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Oct 202030

Most Significant Contribution for Banking Research Paper for 2020 Announced

The conference committee is pleased to announce the selection of “Shared Destinies? Small Banks and Small Business Consolidation” as the paper that made the “most significant contribution to banking research” at the 2020 Community Banking in the 21st Century research and policy conference. The authors of the winning paper are Claire Brennecke, economist, Consumer Financial Protection Bureau, Stefan Jacewitz, chief of the Quantitative Risk Analysis Section of the Federal Deposit Insurance Corp. (FDIC) and Jonathan Pogach, chief of the FDIC’s Financial Modeling and Research Section.

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Oct 202001

2020 Community Banking Conference Continues Thursday

The second day of the eighth annual Community Banking in the 21st Century research and policy conference continues Thursday from at 1-4 p.m. Eastern Time. Laurie Stewart, president and CEO of Seattle, Washington-based Sound Community Bank, will kick things off with this year's community banker keynote speech. The conference is being held virtually via the Webex meeting platform this year due to the COVID-19 pandemic. It is also being livestreamed and can be viewed via this website's homepage.

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Oct 202001

CSBS "Five Questions for Five Bankers" Now Available Online

The Conference of State Bank Supervisors (CSBS) has released its "Five Questions for Five Bankers" compilation as a separate publication this year. The compilation, usually included as part of the annual CSBS National Survey of Community Banks, is comprised of responses from bankers from around the country that provide qualitative insights that complement the data reported in the survey.

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Sep 202030

2020 Community Banking Virtual Conference Starts Today

Attendees from around the world will participate in the eighth annual Community Banking in the 21st Century research and policy conference, which will begins today at 1 p.m. Eastern Time. The conference is being held virtually via the Webex meeting platform this year due to the COVID-19 pandemic. It is also being livestreamed and can be viewed via this website's homepage.

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Sep 202030

CSBS Survey Shows Pandemic Impact on Community Banks

Concern about business conditions surpassed funding as the greatest challenge for community banks as they navigated the impact of the coronavirus pandemic, according to the Conference of State Bank Supervisors’ (CSBS) seventh annual national survey of community banks.

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Sep 202030

2020 Conference Recognizes Two Additional Research Papers of Topical Note

Due to the significant number of submissions to the 2020 conference, a number of high quality papers were not able to be fully integrated into this year’s proceedings. The conference’s research committee identified two such papers that it wanted to highlight on the conference website. These “additional papers of topical note” have been posted to the website, along with a recorded video presentation by an author from each team in which they discuss their key findings.

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Sep 202030

CSBS Releases 2020 Journal of Community Bank Case Studies

The Conference of State Bank Supervisors (CSBS) has released its annual Journal of Community Bank Case Studies. This year's volume features the top three submissions for this year's academic competition that examined the impact of the Bank Secrecy Act and Anti-Money Laundering (BSA/AML) requirements on community banks: Mississippi State University, Starkville, Mississippi; James Madison University, Harrisonburg, Virginia, and Mansfield University of Pennsylvania. The first place team. Mississippi State, will present its findings on the second day of the conference at 1:30 p.m. ET.

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Aug 202031

2020 Emerging Scholars Announced

The Community Banking in the 21st Century research and policy conference committee is pleased to announce the names of the four students selected as Emerging Scholars for 2020.

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Aug 202014

Virtual 2020 Conference Set for Sept. 30-Oct. 1

Community bankers, academics, policymakers and bank supervisors from around the world will meet virtually the afternoons of Sept. 30-Oct.1 for the eighth annual Community Banking in the 21st Century research and policy conference. Given the nature of the virtual environment, the conference will be condensed to a timeframe of 1 p.m.-4 p.m. Eastern Time, with optional post-plenary meetings held at the end of each day.

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Jun 202030

The 2020 Conference is Going Virtual

Conference organizers have continued to closely monitor the situation regarding the COVID-19 pandemic, given that the health and safety of attendees, as well as the academic standards of the conference, are of the highest priority. To this end, the 2020 conference will be hosted as a virtual event that will span two afternoon sessions on Sept. 30 and Oct. 1, 2020. More details, including a preliminary agenda and how to register, will be coming soon.

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Jun 202018
Square

Mississippi State University Wins 2020 CSBS Case Study Competition

A team from Mississippi State University has been named the winner of the 2020 CSBS Case Study Competition. A total of 37 teams from 33 colleges and universities across 18 states participated in this year's competition. A team from James Madison University placed second, with a team from Mansfield University of Pennsylvania placing third.

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May 202029
Fed Governor Michelle Bowman

Federal Reserve Governor Michelle Bowman to Give 2020 Conference Keynote

Federal Reserve Governor Michelle Bowman will give keynote remarks for the eighth annual Community Banking in the 21st Century research and policy conference that is scheduled for Sept. 30-Oct.1, 2020. Bowman took office as a member of the Board of Governors of the Federal Reserve System on November 26, 2018, to fill an unexpired term ending January 31, 2020. She was reappointed to the Board on January 23, 2020, and sworn in on January 30, 2020, for a term ending January 31, 2034. Prior to her appointment, she served as the state bank commissioner of Kansas from January 2017 to November 2018. She also served as vice president of Farmers & Drovers Bank in Kansas from 2010 to 2017.

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May 202029

Judging Now Underway for the 2020 CSBS Case Study Competition; Top Three to Be Announced June 18

A total of 37 teams from 33 colleges and universities across 18 states have made submissions for the CSBS 2020 Community Bank Case Study Competition. This is the sixth year of the competition, which is open to undergraduate students as an opportunity to gain valuable first-hand knowledge of the banking industry. The student teams partner with a local bank to examine compliance challenges, associated time and costs and identify potential regulatory reforms. This year’s competition focuses on the impact of the Bank Secrecy Act and Anti-Money Laundering (BSA-AML) requirements on community banks. The top three teams will be announced on June 18. Each student member and faculty advisor of the first-place winning team will receive a $1,000 scholarship and be invited to present at the 2020 conference.

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Apr 202029
mcwilliamsprofile

FDIC Chairman McWilliams to Give 2020 Conference Keynote

Jelena McWilliams, chairman of the Federal Deposit Insurance Corp. (FDIC), will give a keynote address as part of the eighth annual Community Banking in the 21st Century research and policy conference. The conference is scheduled to be held Sept. 30 - Oct. 1, 2020, at the Federal Reserve Bank of St. Louis.

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Apr 202022
Research Panel 1 Black

2020 Call for Papers Deadline Extended Through June 12

The call for papers for the 2020 Community Banking in the 21st Century research and policy conference has been extended until June 12. Authors of accepted papers will be notified by July 24, 2019. The conference is scheduled to be held Sept. 30-Oct. 1 at the Federal Reserve Bank of St. Louis. However, the conference committee is closely monitoring the COVID-19 situation. Given that the health and safety of attendees and the academic standards of the conference are of utmost priority, it is developing a plan to move the conference to an online format if necessary.

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Feb 202005
Research Panel 1 Black

2020 Call for Papers Open Through June 5

The call for papers for the 2020 Community Banking in the 21st Century research and policy conference is now open through June 5. Authors of accepted papers will be notified by July 19, 2019. Each of the academic papers chosen to be presented at the conference will also be considered for an award that recognizes the paper that makes the most significant contribution to banking policy. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., will be held Sept. 30-Oct. 1 in at the Federal Reserve Bank of St. Louis.

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Oct 201922
Research Panel 1 Black

2019's "Most Significant Contribution to Banking Policy" Paper Announced

The conference committee has announced the selection of “Who’s Holding the Bag? Regulatory Compliance Pressure and Bank Risk-Shifting” by Lamont Black of DePaul University and John Hackney of the University of South Carolina as the paper that made the “most significant contribution to banking policy” at the 2019 Community Banking in the 21st Century research and policy conference.

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Oct 201901
2019 Conference Volume

2019 Survey Shows Community Bankers' Concerns Shift to Funding

Funding and cybersecurity top the concerns for community banks, according to the latest annual community bank survey conducted by the Conference of State Bank Supervisors (CSBS). The survey was released Tuesday with the conference volume of the seventh annual Community Banking in the 21st Century research and policy conference. The conference, which is sponsored by the Federal Reserve System, CSBS and the Federal Deposit Insurance Corp., is hosted each fall at the Federal Reserve Bank of St. Louis.

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Sep 201930
undescribed

2019 Conference Kicks Off Tuesday Morning

Community bankers, academics, policymakers and bank supervisors from across the country will meet Tuesday and Wednesday at the Federal Reserve Bank of St. Louis for the seventh annual Community Banking in the 21st Century research and policy conference. The conference, sponsored by the Federal Reserve System, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., features the latest in community banking research and will be webcast live throughout both days.

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Sep 201927

2019 Commissioner Perspectives: Lise Kruse of North Dakota

Lise Kruse, commissioner of the North Dakota Department of Financial Institutions, discusses the importance of community banking in her state. Her department not only oversees 68 state-chartered banks with total assets of $26 billion, it oversees the only state-owned bank in the nation, with assets of close to $7 billion.

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Sep 201927

2019 Spotlight: American State Bank and Trust, Williston, North Dakota

Dave Hanson, president and CEO of American State Bank and Trust Company in Williston, North Dakota, discusses the bank's 113 years in the community and how it survived several oil and gas booms and busts over the decades. He also reflects on the bank's relationship with long-time customer Industrial Equipment, which began as a start-up in 1999 in the home of one of the three founders and which has experienced great commercial success in the oil and gas sector.

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Sep 201919

2019 Spotlight: Bank of Kilmichael

Buddy Mortimer, CEO of the Bank of Kilmichael in Kilmichael, Miss., and Stan Blaylock, senior vice president, discuss the bank's history and its relationship with family-owned Gun Dog Supply, a popular online retailer of hunting dog training gear and supplies. Steve Snell, Gun Dog Supply president, provides a look into the business of dog hunting supplies and discusses how the bank has assisted with the growth of the company.

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Sep 201914

2019 Spotlight: Bank of Bird-in-Hand, Pennsylvania

Lori Maley, president and CEO of Bank of Bird-in-Hand, Bird-in-Hand, Pa., and Bill O'Brien, executive vice president and chief lending officer, discuss how their team has tailored the bank's services for the members of its Amish community, as well as for their non-Amish neighbors and businesses. Kevin Eshleman, lead pastor of Ephrata Church, Ephrata, Pa., explains how the Bank of Bird-in-Hand helped his fast-growing congregation build a new place to worship that they also offer as a gathering place for all members of the community.

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Jul 201928
EmergingScholar

2019 Emerging Scholars Announced

The Community Banking in the 21st Century research and policy conference committee is pleased to announce the names of the three students selected as Emerging Scholars for 2019: Thi Hong Nguyen Nguyen of Auburn University; Kuan Liu of the University of Wisconsin-Madison and Prithu Vatsa of the University of Miami.

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Jul 201926
undescribed

Twelve Papers Selected for the 2019 Conference

The Federal Reserve System, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp. are pleased to announce that 12 papers have been selected for presentation at the seventh annual community bank research and policy conference, to be held October 1-2, 2019, at the Federal Reserve Bank of St. Louis.

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Jun 201927

Reading Cooperative Bank CEO Julieann Thurlow to Give Evening Keynote

Julieann Thurlow, president and CEO of Reading Cooperative Bank, Reading, Mass., will give the community banker evening keynote speech for the seventh annual Community Banking in the 21st Century research and policy conference. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corporation (FDIC), will be held Oct. 1-2, 2019, at the Federal Reserve Bank of St. Louis.

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May 201923

Juniata College Students Win First Place in CSBS Community Bank Competition

The Conference of State Bank Supervisors (CSBS) today named Juniata College students as winners of the 2019 Community Bank Case Study Competition. The winning Juniata College student team members are David Hibner, Katherine Migatulski, Wyatt Page and Matthew Schaeffer. Sinéad Gallagher served as faculty advisor and Kish Bank, based in Belleville, Pa., was the team’s community bank partner.

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May 201901
PHarker

Philadelphia Fed President Harker to Deliver Second Day Keynote

Patrick Harker, President of the Federal Reserve Bank of Philadelphia, is slated to give the second day keynote address during the seventh annual Community Banking in the 21st Century research and policy conference. The conference will be held Oct. 1-2, 2019, at the Federal Reserve Bank of St. Louis. It is co-sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS) and the FDIC.

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Apr 201903
Bowman_Michelle

Fed Gov. Bowman Discusses Importance of Strong Community Banking Sector; Cites 2018 Survey

Federal Reserve Governor Michelle (Miki) Bowman discussed the importance of a strong community banking sector in a speech at a meeting of the Conference of State Supervisors (CSBS) held in Washington, D.C. on April 2. Bowman also cited findings from the 2018 CSBS Survey of Community Banks, which is conducted in tandem with each year's Community Banking in the 21st Century research and policy conference.

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Jan 201914
highlightcoverphoto

Save the Date for the 2019 Conference; View 2018 Highlights Reel

The seventh annual Community Banking in the 21st Century research and policy conference has been scheduled for Oct. 1-2, 2019. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp., will be held at the Federal Reserve Bank of St. Louis and webcast live. A highlight reel of the 2018 conference is now available to view online.

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Oct 201830

Conference Committee Announces Paper with Most Significant Contribution to Banking Policy

The conference committee has announced the selection of “The Effects of Competition in Consumer Credit Markets,” by Stefan Gissler, Rodney Ramcharan and Edison Yu, as the paper that made the “most significant contribution to banking policy” at the 2018 Community Banking in the 21 st Century research and policy conference. The conference, sponsored by the Federal Reserve, the Conference of State Bank Supervisors and the FDIC, was held Oct. 3-4, 2018 at the Federal Reserve Bank of St. Louis.

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Oct 201801

Community Banking in Action 2018: South Dakota Commissioner Bret Afdahl

Bret Afdahl, director of the South Dakota Division of Banking, discusses how community banks serve as the trusted advisers and counselors of small businesses in their respective communities; how they stick with these businesses through thick and thin, contributing to long-term local economic stability in times of transition and change.

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Sep 201825
fdic

FDIC Joins the Fed and CSBS as Conference Sponsor

The Federal Deposit Insurance Corp. (FDIC) is joining the Federal Reserve and the Conference of State Bank Supervisors (CSBS) in sponsoring the annual Community Banking in the 21st Century research and policy conference. The sixth annual conference, which brings together community bankers, academics, policymakers and bank supervisors from around the country, will meet Oct. 3-4 at the Federal Reserve Bank of St. Louis.

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Sep 201825

Community Banking in Action 2018: Brattleboro Savings and Loan and the New England Center for Circus Arts

Dan Yates, president and CEO of Brattleboro Savings and Loan in Brattleboro, Vt., and twin sisters Elsie Smith and Serenity Smith-Forchion, former trapeze artists with Cirque du Soleil and founders of the New England Center for Circus Arts, discuss how the bank worked with them to build a trapezium for their world-renowned circus arts school located in Brattleboro.

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Jul 201809

Conference Committee Names 2018 Emerging Scholars

The Community Banking in the 21st Century research and policy conference committee announced the names of those students selected as Emerging Scholars for 2018. Emerging Scholars are Ph.D. students who are considering or working on a dissertation on a banking-related topic. The conference committee congratulates Jiayi Xu, Auburn University; Cao Fang, University of Arkansas, and Xiaonan (Flora) Ma, University of South Carolina. Emerging Scholars are given the opportunity to attend the October 3 – 4, 2018 Community Banking in the 21st Century research and policy conference.

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May 201803
Loretta Mester

Cleveland Fed President Mester to Speak at 2018 Conference

Federal Reserve Bank of Cleveland President Loretta Mester will give the opening keynote address for the sixth annual Community Banking in the 21st Century research and policy conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. Federal Reserve Board of Governors Vice Chairman for Supervision Randal Quarles will also give keynote remarks on the second day. The conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS), brings together community bankers, academics, policymakers and bank supervisors from across the country to discuss the latest academic research on community banking, as well as important policy issues facing the sector. Other guest speakers will include Federal Reserve Bank of St. Louis President James Bullard, Commissioner of the Mississippi Department of Banking and Consumer Finance and CSBS Chair Charlotte Corley and CSBS President and CEO John Ryan.

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Apr 201827

Five Finalists Announced for the 2018 Community Bank Case Study Competition

CSBS has announced that five student teams from universities across the nation have advanced to the final round of the 2018 Community Bank Case Study Competition. The student teams represent the following universities: Eastern Kentucky University, Southeastern Louisiana University, University of Missouri - Kansas City, Ohio State University and York College of Pennsylvania. Their case studies looked at how community banks are using technology to streamline processes and better serve their customers.

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Apr 201819

Study Quantifies Compliance Costs for Community Banks

A study released using data compiled in surveys by the Conference of State Bank Supervisors (CSBS) shows that the burden of regulatory compliance for community banks declined in 2016 after increasing in the previous year. Compliance expenses as a share of noninterest expense rose from 5.5 percent in 2014 to 8.1 percent in 2015 before dropping to 7.7 percent in 2016. The study suggested that this pattern of expenses may have been related to implementation of mortgage regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act. In 2016, compliance with mortgage-related regulations accounted for about one-third of all regulatory costs.

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Apr 201812

Record Number of College Student Teams Enter 2018 Community Bank Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced a record number of college student teams have submitted case studies for the 2018 Community Bank Case Study Competition. This year’s competition focuses on how community banks are using technology. Fifty-one student teams from 45 colleges and universities across the nation met the April 9 deadline. Last year, 33 teams participated. This is the fourth year of the competition, which is open to undergraduate students in all fields of study as an opportunity to gain valuable first-hand knowledge of the banking industry.

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Apr 201812
research image

Kansas City Fed Launches National Small Business Lending Survey

In July 2017, the Board of Governors of the Federal Reserve System approved a new voluntary survey of U.S. commercial banks on their small business lending activities. The survey is being managed and administered by the Federal Reserve Bank of Kansas City. This report summarizes the results from the first survey period, which covers lending activity in the fourth quarter of 2017. The Small Business Lending Survey is a quarterly collection of quantitative and qualitative information that will be used to understand credit market conditions for bank lending to small businesses. The survey captures detailed, comprehensive information that is not otherwise available about small business lending and how it changes from quarter to quarter. Specifically, quantitative information is collected on commercial and industrial (C&I) loan amounts, interest rates, maturities, and lending terms for term loans and lines of credit with fixed and variable interest rates, and applications received and approved. In addition, qualitative information is collected on changes in credit standards and terms and loan demand, as well as reasons for those changes.

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Apr 201809

Community Banking in the 21st Century Emerging Scholars for 2018

Applications for Community Banking in the 21st Century Emerging Scholars program were due Friday, June 8, 2018. The names of the three scholars selected will be announced in July. They will have the opportunity to attend and participate in the 2018 sixth annual Community Banking in the 21st Century conference, which will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis. The scholars' travel and lodging expenses will be paid by the program. First introduced as part of the 2015 conference, the Emerging Scholars Program is intended to support Ph.D. students who are considering or working on a dissertation on a banking-related topic.

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Mar 201808

Governor Quarles to Speak at 2018 Community Banking Research Conference

Federal Reserve Vice Chair for Supervision Randal K. Quarles will deliver one of the keynote addresses during the sixth annual Community Banking in the 21st Century research and policy conference that will be held Oct. 3-4 at the Federal Reserve Bank of St. Louis.The conference, hosted by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS), brings together community bankers, academics, policymakers and bank supervisors from across the country to discuss the latest academic research on community banking, as well as important policy issues facing the sector.

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Feb 201826

Final Teams Announced For 2018 Case Study Competition

The Conference of State Bank Supervisors (CSBS) has announced 54 student teams from 47 colleges and universities around the U.S. will participate in its 2018 Community Bank Case Study Competition. Each student team must develop an original case study that evaluates how community banks are using technology within day-to-day operations. Finalists will be announced during the CSBS State-Federal Supervisory Forum in Jacksonville, Florida on May 10, 2018. Additional information on the competition can be found on the case study competition website.

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Feb 201802

2018 Call for Papers: Submissions Due June 15

The call for papers for the 2018 Community Banking in the 21st Century research and policy conference is now open. The conference committee is seeking papers that explore all aspects of community banking, including: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks, significant challenges faced by community banks and new opportunities for community banks. The deadline to submit a detailed abstract or completed paper is June 15, 2018. Authors of accepted papers will be notified by August 3, 2018.

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Nov 201728

2018 conference scheduled for October 3–4!

The 6th annual Community Banking in the 21st Century research and policy conference is scheduled for October 3 – 4, 2018, at the Federal Reserve Bank of St. Louis. The conference is jointly sponsored by the Federal Reserve System and the Conference of State Bank Supervisors. The conference brings together researchers, regulators and community bankers to discuss the latest research on community banking.

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Nov 201714

Chair Yellen Discusses “Vital Role” of Community Banks in U.S. Financial System

Federal Reserve Chair Janet Yellen gave welcoming remarks during the 5th Annual Community Banking in the 21st Century research and policy conference, presented jointly by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). Yellen discussed the Fed’s recent efforts to ensure that its regulation and supervision of community banks is tailored appropriately to the size, complexity, and role different institutions play in the financial system.

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Oct 201705

CSBS Releases 2017 Journal of Community Bank Case Studies

The Conference of State Bank Supervisors (CSBS) has released the 2017 Journal of Community Bank Case Studies. The Journal showcases the work of the top undergraduate student teams that participate in the annual CSBS Community Bank Case Study Competition. The competition partners undergraduate student teams with community banks to conduct original case studies focused on a variety of topics. Download the 2017 Journal of Community Bank Case Studies.

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Oct 201705

2017 National Survey of Community Banks Findings Released

The Federal Reserve and the Conference of State Bank Supervisors today released the findings from the 2017 National Survey of Community Banks. Survey responses were obtained from 611 community bankers in 37 states, and provide insights into what community bankers are thinking about key issues facing their industry. The survey questions addressed changes in bank lines of business, regulatory compliance, competition and consolidation. The 2017 survey also asked specific questions about small business lending and challenges and opportunities posed by financial technology firms. Download the 2017 National Survey of Community Banks.

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Oct 201705

San Francisco Fed President John Williams Discusses “New Normal” For the Economy

San Francisco Fed President John Williams gave the keynote address on the second day of the 2017 Community Banking in the 21st Century research and policy conference, presented jointly by the Federal Reserve System and the Conference of State Bank Supervisors (CSBS). President Williams highlighted the Fed’s move toward a more normal monetary policy and discussed the implications of rising interest rates.

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May 201701

2016 National Survey of Community Banks Cited in the Wall Street Journal

The 2016 Community Banking in the 21st Century research and policy conference's national survey of community banks was cited in an April 24, 2017, Wall Street Journal column, "A Plan to Give Community Banks Relief from Dodd-Frank." The article cites data from the 2016 national survey that estimates compliance costs for community banks at $4.5 billion annually. The national survey is conducted annually by the state banking commissioners.

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Apr 201728

National Survey of Community Banks Is Now Live

State banking commissioners from across the U.S. began distributing a link to the 2017 National Survey of Community Banks in mid-April. Results from the survey will be presented during the 2017 Community Banking in the 21st Century research and policy conference, taking place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Community bankers interested in taking the 2017 national survey should contact their state banking commissioner. The survey will remain open through June 30. Read the results of the 2016 survey (PDF).

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Apr 201728

Judging Begins May 1 for 2017 Community Bank Case Study Competition

First-round judging for the 2017 Community Bank Case Study Competition will begin on May 1. A multidisciplinary panel of judges—comprising academics, regulators and community bankers—has been assembled to evaluate submissions from the 33 teams participating in this year's competition. Each student team was asked to develop an original case study that evaluates and provides recommendations for a bank's leadership succession plan. The names of the top three teams will be announced on May 25 during a live webcast that will be video streamed on the case study competition website: www.csbs.org/bankcasestudy.

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Apr 201728

Call for Papers: Submissions Due June 16

The Federal Reserve System and CSBS are seeking papers for the 2017 Community Banking in the 21st Century research and policy conference. The conference committee invites submissions that address all aspects of community banking, including but not limited to: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks; significant challenges faced by community banks; and new opportunities for community banks. The conference will take place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Papers should be submitted by June 16 to conference@communitybanking.org.

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Apr 201720

National Survey of Community Banks Now Live

On Monday, April 17, state banking commissioners from across the country began to distribute a link to the 2017 National Survey of Community Banks to community banks in their states. The survey, conducted by the state banking regulatory agencies and CSBS, is designed to give researchers and policymakers an opportunity to hear directly from bankers on a range of important topics. Results from the survey will be compiled and presented during the 2017 Community Banking in the 21st Century research and policy conference. Read the findings from the 2016 survey (PDF)

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Mar 201730

Call for Papers: Submissions Due June 16 for the 2017 Conference

The Federal Reserve System and CSBS are seeking papers for the 2017 Community Banking in the 21st Century research and policy conference. The conference committee invites submissions that address all aspects of community banking, including but not limited to: the role of community banks in the U.S. financial system; advantages and disadvantages of the community bank business model; the effects of government policy on community banks; significant challenges faced by community banks; and new opportunities for community banks. The conference will take place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Papers should be submitted by June 16 to conference@communitybanking.org.

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Mar 201730

San Francisco Fed President Williams to Speak at 2017 Conference

Federal Reserve Bank of San Francisco President and CEO John Williams will deliver one of the keynote addresses during the 2017 Community Banking in the 21st Century research and policy conference, taking place Oct. 4-5 at the Federal Reserve Bank of St. Louis. Opening remarks will be given by St. Louis Fed President James Bullard and Conference of State Bank Supervisors (CSBS) Chairman-Elect Albert L. Forkner, State Banking Commissioner, Wyoming Division of Banking.

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