Search Results
Journal Article
On the uniqueness of community banks
To the public, all banks seem alike. But banking insiders make important distinctions between community banks and all other banks. Policymakers worry that community banks? unique characteristics threaten their survival in the face of industry consolidation. However, despite dramatic regulatory and technological changes in the industry in the past two decades, community banks have not only survived but often prospered. ; This article explores the differences between community banks and larger banks to discover what makes community banks unique. Large banks engage primarily in transactional ...
Journal Article
Putting a name with a face: community banks count on customer service
Despite some dire predictions, community banks have not been driven out of the market by megabanks. On the contrary, their personalized services and attention to their customers? needs have allowed them to thrive.
Journal Article
Barron: challenges, opportunities exist for community banks
The banking industry has changed dramatically during the past 20 years, and community banks today face a variety of challenges and opportunities said Federal Reserve Bank of Atlanta First Vice President Patrick K. Barron in remarks to a February meeting of Southeastern community bank executives in Savannah, Ga.
Journal Article
Adapting to changing payments: opportunities for community bankers
As the payment system changes rapidly, community banks? flexibility and responsiveness make them well positioned to understand and meet the needs of their customers.>
Journal Article
What makes community banks unique?
Journal Article
Atlanta Fed hosts credit conference for community bank directors
Working Paper
The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest U.S. banking organizations. This paper addresses a number of deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending, primarily by community banks. The survey evidence suggests that the use of credit scores in small business ...
Conference Paper
First district financial condition
This presentation provides an overview of 1st District bank financial performance as of December 2001 disaggregated into two groups: regional banks, community banks.
Conference Paper
Federal Reserve supervision program: overview
Conference Paper
Regional & community bankers conference: June 3, 2002
The Federal Reserve Bank of Boston's first Regional & Community Bankers Conference.