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Community Banking Conference Highlights PPP Research
The Paycheck Protection Program was the subject of several papers at this year’s community banking conference.
Speech
2019 Community Banking in the 21st Century Research and Policy Conference
Philadelphia Fed President Patrick Harker discussed the importance of community banks and issues they face, including technological change, demographic pressures, and regulatory burden during a keynote speech at the Community Banking in the 21st Century Research and Policy Conference in St. Louis.
Discussion Paper
Tracing the History of Community Development Credit Unions
When the Community Reinvestment Act was passed in the late 1970s, Congress tasked the 12 Federal Reserve Banks with ensuring that supervised financial institutions meet the credit needs of the communities they serve. Community development financial institutions (CDFIs) are mission-driven lenders that help provide credit in underserved areas. As we gather information on CDFIs through the 2025 Federal Reserve CDFI Survey, we want to examine the roots of community development finance and the evolution of CDFIs.This post focuses on the history of one type of CDFI: community development credit ...
Journal Article
Tailoring Bank Regulations
Policy Update article: Tailoring Bank Regulations
Speech
Welcoming Remarks: 2024 Community Banking Research Conference
St. Louis Fed President Alberto Musalem gave welcoming remarks at the 12th annual Community Banking Research Conference held at the Federal Reserve Bank of St. Louis. The conference was co-sponsored by the Federal Reserve System, Conference of State Bank Supervisors (CSBS) and Federal Deposit Insurance Corp. (FDIC). For more information, visit the 2024 Community Banking Research Conference website: https://www.communitybanking.org/conferences/2024
Bankers Name Tightening Margins, Cybersecurity as Top Challenges
Tightening margins and technology concerns top the list of challenges for community bankers, according to the 2023 CSBS Annual Survey of Community Banks.
Speech
Introductory Remarks
O’Neill Paese gave introductory remarks (PDF) at the 2023 Community Banking Research Conference. The conference was hosted at the St. Louis Fed and co-sponsored by the Federal Reserve System, the Conference of State Bank Supervisors and the Federal Deposit Insurance Corp.
Speech
Introductory Remarks: 2022 Community Banking Research Conference
St. Louis Fed President Jim Bullard welcomed community bankers, researchers, policymakers and bank regulators to the 10th annual Community Banking Research Conference. Held in-person and virtually this year, the conference is sponsored by the Federal Reserve System, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp.Bullard discussed some of the challenges and opportunities that community banks have faced since the event’s inception. He recognized several conference features added in the past decade, while acknowledging the passing earlier this year of ...
Journal Article
Community Bank Funding Is Getting Costlier and Riskier
Banks’ core funding has been under pressure since the Federal Open Market Committee (FOMC) began raising rates in early 2022. As depositors shift funds out of low-yielding savings and noninterest-bearing deposit accounts and into more lucrative alternative investments, community banks have increasingly turned to longer-maturity deposits and borrowings to finance their balance sheets. Although these funding sources allow banks to retain their asset size, they are both more expensive and potentially less stable.