Annual Survey of Community Banks

The CSBS Annual Survey of Community Banks provides community bankers with a unique opportunity to share your perspectives with state and federal policymakers. Now in its 12th year, the Annual Survey results offer valuable information on the community bank ecosystem and have been featured in Congressional hearings, industry publications, and academic papers. The 2025 survey results will be presented at the Community Banking Research Conference, co-sponsored by CSBS, the Federal Reserve System, and the FDIC, on October 7-8.

Click below to view the 2025 survey results.

View the 2025 Annual Survey
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Jump to Section: Key Findings | The Research Conference | Chairman's Notes | More CSBS Research

  1. Net interest margins were cited as the most important external risk facing community banks.
  2. Once again, cybersecurity has held the top spot among internal risks facing community banks.
  3. Most respondents indicated they would support changing the current deposit insurance framework.
  4. Bankers continue to report inflation-created challenges as persistent but manageable.

Download the Full 2025 Survey

 

Previous Annual Surveys of Community Banks

 

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