Welcome to the 2022 Conference!

2022 Community Banking Research Conference Volume The 2022 planning committee welcomes registered attendees to the 10th annual Community Banking Research Conference. 

Please note: Registration for the virtual conference via the Zoom conference platform is now closed. A recording of the conference will be posted at a later date.

The conference, co-sponsored by the Federal Reserve System, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC), will be held from 9 a.m.-5 p.m. Central time on Wednesday, Sept. 28, 2022 and from 9 a.m.-12:30 p.m. Central time on Thursday, Sept. 29, 2022. It is a hybrid conference, with participants attending on site and virtually via the Zoom conference platform.

In recognition of this being the 10th year of the event, we have compiled a special conference volume that includes key information about this year's event, but also a look-back over past conferences and speakers. The volume concludes with insights from three participants from past conferences, with one representing a community bank perspective, one an academic perspective, and the last, a state bank supervisor perspective. 

Also new this year :As part of his second day closing remarks that start at 12:15 p.m. CT, Jim Cooper, CSBS president and CEO, will announce the winner of the "John W. Ryan Award for Most Significant Contribution to Community Banking Research." This will mark the first time that the award-winning paper, as well as its respective authors or author, are announced at the end of the conference. In the past, the announcement was made a few weeks after the close of the conference. The award was recently renamed in honor of the late John Ryan, the CSBS President and CEO who helped found the conference.

See below for a preview of conference highlights, or see the complete online agenda

2022 Keynote Speakers 

  • Michelle Bowman, governor, Board of Governors of the Federal Reserve System, Sept. 28 at 10 a.m. CT
  • Martin Gruenberg, acting chairman, FDIC, Sept. 28 at 1:30 p.m. CT (virtual) 
  • Clayton Legear, president and CEO, Merchants and Marine Bank, Pascagoula, Mississippi, Sept. 29 at 9 a.m. CT 

2022 CSBS National Survey of Community Banks | Sept. 28 at 9:30 a.m. CT (Virtual) 

The first day of the conference will kick off with the results of the 2022 CSBS National Survey of Community Banks. Since 2014, the national survey has provided insights into the opportunities and challenges that banks faced during the previous year. 

2022 CSBS Case Study Presentation | Sept. 28 at 4 p.m. CT 

The winning team of this year’s CSBS Community Bank Case Study Competition, James Madison University, Harrisonburg, Virginia, will present its findings on the second day of the conference. In honor of the tenth annual conference, student teams partnered with local community banks to examine how community banks have navigated changes over the past decade and what to expect in the next 10 years. 

Panel Discussion: Will Technology be the End of Relationship Banking? | Sept. 29 at 11:30 a.m. CT 

This year’s panel discussion will again be moderated by “FDIC Podcast” host Brian Sullivan, who will delve into the future of tech-enabled relationship lending. The panelists will include:

  • Greg Hayes, president and CEO, Kish Bank, Belleville, Pennsylvania
  • Nicole Lorch, president and chief operating officer, First Internet Bank, Indianapolis, Indiana
  • Amanda Swoverland, chief compliance officer, Unit, New York, New York 

Research Papers and Presenting Authors 

Eleven papers were selected to be presented at this year’s conference, including two as poster sessions and nine as part of three topical panels. They include:

Poster Session 1: The Age Gap in Mortgage Access, Natee Amornsiripanitch, Federal Reserve Bank of Philadelphia
Poster Session 2: The Procyclicality of FDIC Deposit Insurance Premiums, Jennifer S. Rhee, FDIC

(Please note: The poster session authors are pre-recording their presentations for viewing online ahead of and during the virtual conference. They will also be present on site with their poster presentations during both days of the conference.) 

Research Paper Session 1 | Sept. 28 at 11:00 a.m. CT 
Information and Bank Lending Terms

Moderator: Mark Flannery, Bank of America Eminent Scholar in Finance Chair, Warrington College of Business, University of Florida (Virtual)
Community Banker Discussant: Janet Garufis, president and CEO, Montecito Bank and Trust, Santa Barbara, California (Virtual) 

Papers and Presenting Authors: 

  • Bank Monitoring in Construction Lending, Amanda Heitz, Tulane University
  • Bank Loan Markups and Adverse Selection, Greg Weitzner, McGill University
  • Non-Information Asymmetry Benefits of Relationship Lending, Daniel Rabetti, Tel Aviv University

Research Paper Session 2 | Sept. 28 at 2:30 p.m. CT
Minorities’ Access to Credit

Moderator: Erica Jiang, Assistant Professor of Finance and Business Economics, Marshall School of Business,University of Southern California 
Community Banker Discussant: Jordan Miller, former regional president, Fifth Third Bank, founder, Adelphi Bank, Columbus, Ohio (Virtual)

Papers and Presenting Authors:

  • The Impact of Minority Representation at Mortgage Lenders, Ruidi Huang, Southern Methodist University 
  • Bank Competition and Entrepreneurial Gaps: Evidence from Bank Deregulation, Xiang Li, Boston College
  •  “Let Us Put Our Moneys Together:" Minority-Owned Banks and Resilience to Crises, Scott Langford, University of North Carolina 

Research Paper Session 3 | Sept. 29 at 9:30 a.m. CT
Transparency in Supervision and Regulation

Moderator: Allison Nicoletti, Assistant Professor of Accounting, The Wharton School, University of Pennsylvania
Community Banker Discussant: Luanne Cundiff, president and CEO, First State Bank of St. Charles, St. Charles, Missouri 

Papers and Presenting Authors: 

  • The Benefits and Costs of Transparent Supervision of Public Banks: Evidence from Disclosure of SEC Comment Letters, Amy Hutton, Boston College
  • The Social Externalities of Bank Disclosure Regulation: Evidence from the Community Reinvestment Act, Oktay Urcan, University of Illinois 
  • Sentiment in Bank Examination Reports and Bank Outcomes, Cindy Vojtech, Federal Reserve Board 

 Questions? Please contact us at conference@communitybanking.org.