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Speech
Perspectives on the Economic Outlook and Banking Supervision and Regulation; 2017-08-02; The Community Bankers Association of Ohio Annual Convention, Cincinnati, OH
Mester, Loretta J. (2017-08-02)
Today, I enjoy the fruits of the strong relationship that has developed between Ohio bankers and the Cleveland Fed. The bankers who serve on our Community Depository Institutions Advisory Council (CDIAC) and on our board of directors generously provide me with their valuable insights into regional economic and banking conditions. As you all know, community banks play a vital role in the economic health of their communities, providing creditworthy businesses the wherewithal to prosper and households the ability to improve their financial standing and quality of life. Because of their important ...
Speech , Paper 85

Briefing
A Portrait of First District Banks
Wang, J. Christina (2024-08-07)
This Regional Brief sketches a portrait of the banks in the Federal Reserve System’s First Federal Reserve District, which includes all of New England except Connecticut’s Fairfield County. It highlights a few characteristics that distinguish the district’s banking industry, noting that, relative to the rest of the United States, larger shares of the region’s banks are state (Federal Reserve System) member banks, state savings banks, and cooperative banks, and the share of banks classified as community banks is twice as large.
New England Public Policy Center Regional Brief , Paper 2024-2

Newsletter
In the wake of financial reform: what's next for community banks?
Kawa, Mark H.; VanBever, Steven (2011-01)
The sixth annual Community Bankers Symposium, co-sponsored by the Federal Reserve Bank of Chicago and the Federal Deposit Insurance Corporation (FDIC), was held at the Chicago Fed on November 19, 2010. This article summarizes the key presentations and discussions at the conference.
Chicago Fed Letter , Issue Jan

Working Paper
Relationship Lending: That Ship Has Not Sailed for Community Banks
Holod, Dmytro; Peek, Joe; Torna, Gökhan (2024-04-01)
This study provides direct evidence of the value to banks arising from relationship lending by estimating the market premium placed on banking organizations’ small business loan portfolios. Using data from the small business loan survey contained in the June bank Call Reports, we find that small commercial and industrial (C&I) loans add value to community banks both in absolute terms and relative to the value contributed by larger C&I loans. The value‐enhancing effect of small business loans is observed primarily at small community banks, and it was present during the Great Recession as ...
Working Papers , Paper 24-5

Journal Article
Resilience of Community Banks in the Time of COVID-19
Kwan, Simon H. (2021-03-01)
Stress tests in December 2020 showed that the largest U.S. banks had strong capital levels and could continue to lend to households and businesses under hypothetical severe recessions. Assessing thousands of small community banks against similar criteria suggests that, while about one-fifth could fall below adequate capitalization, only a handful of those risk becoming insolvent. Overall, this is a reassuring view for small banks and their communities, suggesting that the risk of widespread bank failures leading to financial instability appears to be small.
FRBSF Economic Letter , Volume 2021 , Issue 06 , Pages 01-05

Journal Article
On the uniqueness of community banks
MacDonald, Steven Scott; Koch, Timothy W.; Hein, Scott E. (2005-01-01)
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 ...
Economic Review , Volume 90 , Issue Q 1 , Pages 15-36

Conference Paper
The competitive edge of community banks
Olson, Mark W. (2004)
Proceedings , Paper 913

Conference Paper
Regional and community supervision
Simpson, E. Philip (2002-06)
Conference Series ; [Proceedings] , Issue Jun

Journal Article
Community Banks' Ongoing Role in the U.S. Economy
Lytle, Brent; Summers, Chris; Ziadeh, Stephanie; Hanauer, Matt (2021-06-24)
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

Working Paper
The demise of community banks? local economic shocks aren't to blame
Yeager, Timothy J. (2002)
A potentially troubling characteristic of the U.S. banking industry is the geographic concentration of many community banks* offices and operations. If geographic concentration of operations exposes banks to local market risk, we should observe a widespread decline in their financial performance following adverse local economic shocks. In addition, geographic diversification should help banks reduce risk significantly. By analyzing the performance of geographically concentrated U.S. community banks exposed to severe unemployment shocks in the 1990s, I find that banks are not systematically ...
Supervisory Policy Analysis Working Papers , Paper 2002-03

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