The “Research & Analysis” section of this website is designed to serve as a repository for community banking-related research and analysis. Published papers, working papers, and articles that focus on the community banking industry or on issues that directly impact community banks are included here and organized based on publication date or release date. The content and conclusions are the responsibility of the individual authors of these works and do not represent the opinions of the Community Banking in the 21st Century conference committee. The works are listed here for reference purposes only. The Community Banking in the 21st Century conference committee welcomes content suggestions for this section. Please email firstname.lastname@example.org with questions or suggestions.