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Keywords:community banks OR Community banks OR Community Banks 

Journal Article
Community Banks' Ongoing Role in the U.S. Economy

In recent decades, both the number of community banks and their share of U.S. banking assets have steadily declined, raising questions about the future of community banking. In addition to competitive pressures from larger banking organizations, community banks face growing challenges from broader economic consolidation, changing demographics, and rapidly advancing financial technologies.Matt Hanauer, Brent Lytle, Chris Summers, and Stephanie Ziadeh explore the role of community banks in the U.S. economy, the challenges they face, and their outlook for the future. They find that despite their ...
Economic Review , Volume 106 , Issue no.2 , Pages 5-49

Journal Article
Final Basel III capital rule—less impact on community banks

Central Banker , Issue Summer

Journal Article
The Changing Composition of Bank Branches in Seventh Federal Reserve District States

Across the United States, the banking office landscape has shifted substantially since the financial crisis in 2008, reflecting both long-standing trends of small bank closures, as well as more recent patterns of bank branch declines. These trends are playing out in the states of the Seventh District as well, where the number of banking offices has declined in each state, and increasingly, community banks are losing their share of branches in certain markets. Low- and moderate-income (LMI) neighborhoods in a few of the District?s most populous counties are nearly devoid of community banks.
Profitwise , Issue 2 , Pages 4-13

Working Paper
The past, present, and probable future for community banks

We review how deregulation, technological advance, and increased competitive rivalry have affected the size and health of the U.S. community banking sector and the quality and availability of banking products and services. We then develop a simple theoretical framework for analyzing how these changes have affected the competitive viability of community banks. Empirical evidence presented in this paper is consistent with the model's prediction that regulatory and technological change has exposed community banks to intensified competition on the one hand, but on the other hand has left ...
Working Paper Series , Paper WP-03-14

Journal Article
Community bank lending during the financial crisis

The total volume of loans held by community banks peaked in 2008 and dropped during the financial crisis and Great Recession. Total loans bottomed out in 2011 and, as of December 2012, have only recovered to a level roughly 10 percent below their 2008 peak. During this period, both demand and supply factors undoubtedly played roles in the change in bank lending.
Central Banker , Issue Spring

Conference Paper
Regional and community supervision

Conference Series ; [Proceedings] , Issue Jun

Journal Article
2015 NHS Community Banks Partnership Meeting Summary

Neighborhood Housing Services of Chicago (NHS) held its annual Community Banks Partnership Meeting on Wednesday, April 22, 2015, at the Federal Reserve Bank of Chicago. The meeting brought together over 70 representatives from Chicagoland community banks, regulators, housing experts, and industry partners to discuss meeting the residential lending needs of area communities. NHS is Chicago?s largest nonprofit neighborhood revitalization organization and works in partnership with businesses, government, and neighborhood residents to revitalize low- and moderate-income neighborhoods throughout ...
Profitwise , Issue 3 , Pages 15-18

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