In this seven-part blog series, we explore how community banks are adapting to a changing digital landscape by analyzing banking and technology questions from the 2021 CSBS National Survey of Community Banks.
In this seven-part blog series, we explore how community banks are adapting to a changing digital landscape by analyzing banking and technology questions from the 2021 CSBS National Survey of Community Banks.
A modernized regulatory framework for bank merger transactions should reflect changes in financial services, the diversity of consumer and small business needs and the interests of community banks, CSBS said in a comment letter to the FDIC. The FDIC has solicited comments as it undertakes a comprehensive review of all aspects of the existing regulatory framework applicable to bank merger
By CSBS Chief Economist Thomas F. Siems, Ph.D. The slope of the U.S. yield curve, or the difference between the yield on the 10-year Treasury note and the 2-year Treasury bill, appears to be an important indicator of community bankers’ expectations for future business conditions. As shown in the nearby chart, turning points in community bankers’ outlook for future business
By CSBS Chief Economist Thomas F. Siems, Ph.D. The CSBS second quarter 2022 Community Bank Sentiment Index (CBSI) fell to its lowest level since the creation of the index in 2019. The overall index was driven down by record low readings in three of the index’s seven components: regulatory burden, the impact of monetary policy, and expectations for future business
State regulators stated their support of the federal banking agencies’ proposed modernization of the Community Reinvestment Act (CRA) but asked for further clarity in a comment letter submitted by the Conference of State Bank Supervisors (CSBS) today. CSBS commended the Federal Reserve, the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation for issuing uniform and
A team of students from the University of Tennessee at Martin won this year’s annual CSBS Community Bank Case Study Competition. It is the fourth year the school has entered the competition, which provides undergraduate students in all fields of study an opportunity to conduct original research and gain valuable first-hand knowledge of the banking industry. The team of five
The CSBS Q4 CBSI indicates that community bankers are more pessimistic than they were in the previous quarter and near its lowest level recorded in the second quarter of 2022.
In this seven-part blog series, we explore how community banks are adapting to a changing digital landscape by analyzing banking and technology questions from the 2021 CSBS National Survey of Community Banks.
In this seven-part blog series, we explore how community banks are adapting to a changing digital landscape by analyzing banking and technology questions from the 2021 CSBS National Survey of Community Banks.