CSBS Releases 2025 Annual Survey of Community Banks
According to the Conference of State Bank Supervisors’ (CSBS) 2025 Annual Survey of Community Banks, community bankers across the nation ranked net interest margins as their highest external risk, followed by core deposit growth. Economic conditions, the cost of technology, and cost of funds were essentially tied as their third highest risk. Meanwhile, they expressed less concern about regulatory impact. Regulation, which was tied as the top external risk in the 2024 survey, fell to the sixth spot, as community bankers expressed less concern over regulatory burden amid a changing political landscape.
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