2023 Research Papers Announced

The Federal Reserve System, the Conference of State Bank Supervisors (CSBS), and the Federal Deposit Insurance Corp. (FDIC) are pleased to announce the papers that have been selected for presentation at the eleventh annual Community Banking Research Conference, which will be held in person Oct. 4-5, 2023. The invitation-only in person conference will be held at the Federal Reserve bank of St. Louis, with a livestream option that will be open to all. 

The conference brings together academics, community bankers, regulators and policymakers to focus on the latest academic research on community banking and the important policy issues that affect community banks.

This year's selected papers, sectioned by topic area, and their respective authors are:

Interest Rate Risk and Depositor Runs

Banks’ Motivations for Designating Securities as Held to Maturity | Sehwa Kim, Columbia University; Seil Kim, Baruch College; Stephen Ryan, New York University

Dynamic Deposits: The Role of Inflows on Future Outflows |Michael Gelman, University of Delaware; Andrew MacKinlay, Virginia Tech University

Social Media as a Bank Run Catalyst | Anthony Cookson, University of Colorado at Boulder; Corbin Fox, James Madison University; Javier Gil-Bazo, Universitat Pompeu Fabra; Juan Filipe Imbet, Université Paris Dauphine; Christoph Schiller, Arizona State University


Banking Sector Resilience to Extreme Weather Events

The Effects of Extreme Wildfire and Smoke Events on Household Financial Outcomes |Xudong An, Federal Reserve Bank of Philadelphia; Stuart Gabriel, UCLA; Nitzan Tzur-Ilan, Federal Reserve Bank of Dallas

Natural Disasters, Local Bank Market Share, and Economic Recovery | Justin Gallagher, University of Montana; Daniel Hartley Federal Reserve Bank of Chicago

As Dry as a Bone: How do Banks Cope with Droughts? |Michael Brei, University of Lille; Oskar Kowalewski,IESEG School of Management; Piotr Spiewanowski, Polish Academy of Sciences; Eric Strobl, University of Bern


Assessing Credit Risk

Internal Loan Ratings, Supervision, and Procyclical Leverage | Lewis Gaul, OCC; Jonathan Jones, OCC; Stephen Karolyi, OCC; Pinar Uysal, Federal Reserve Board

Regulatory Risk Perception and Small Business Lending | Joseph Kalmenovitz, University of Rochester; Siddharth Vij, University of Georgia

Can Credit Rating Affect Credit Risk? Causal Evidence from an Online Lending Marketplace |Amiyatosh Purnanandam, University of Michigan; Alexander Wirth, University of Michigan




Poster Session

Fintech Expansion |Jing Huang, Texas A&M University

Human Capital Investment and the Quality of Financial Services |Sydney Kim, University of Illinois