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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

Journal Article
Putting a name with a face: community banks count on customer service
anonymous (2005-04)
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.
EconSouth , Volume 7 , Issue Q2

Working Paper
The evolution of u.s. Community banks and its impact on small business lending
Jagtiani, Julapa; Kotliar, Ian; Maingi, Ramain Quinn (2014-03-13)
There have been increasing concerns about the declining number of community banks and that the acquisitions of community banks by larger banks might result in significant reductions in small business lending (SBL) and disrupt relationship lending. This paper examines the roles and characteristics of U.S. community banks in the past decade, covering the recent economic boom and downturn. We analyze risk characteristics (including the confidential ratings assigned by bank regulators) of acquired community banks, compare pre- and post-acquisition performance and stock market reactions to these ...
Working Papers , Paper 14-16

Journal Article
Understanding the effects of the merger boom on community banks
Jagtiani, Julapa (2008-04)
The merger boom in the U.S. banking industry has caused the number of banking organizations in the nation to fall by nearly a third since 1990. Most of this contraction has involved small community banks. ; A common perception is that most of these small banks are being absorbed by large banks. The disappearance of small banks is raising concerns in many communities because small banks are often a major source of personal services and relationship lending to local businesses and depositors. ; Jagtiani investigates the merger boom in detail and suggests that the merger boom actually has the ...
Economic Review , Volume 93 , Issue Q II , Pages 29-48

Speech
The present and future of community banking: a speech at the Federal Reserve Bank of New York Community Bankers’ Conference, New York, New York, April 8, 2010
Tarullo, Daniel K. (2010)
Speech , Paper 510

Journal Article
Adapting to changing payments: opportunities for community bankers
anonymous (2005-01-01)
As the payment system changes rapidly, community banks? flexibility and responsiveness make them well positioned to understand and meet the needs of their customers.>
Financial Update , Volume 18 , Issue Q 1

Speech
Comments on tailored regulation and forward guidance (with reference to Dr. Seuss, Strother Martin in Cool Hand Luke and other serious economists)
Fisher, Richard W. (2014-05-09)
The Federal Reserve knows what community and regional banks do for their communities. We appreciate that you are the backbone for the homeowners, small businesses, service clubs and school sports teams and scouts and churches and myriad other activities that make for better communities. We want you not only to endure, but to succeed and grow.
Speeches and Essays , Paper 149

Working Paper
Can feedback from the jumbo-CD market improve off-site surveillance of community banks?
Meyer, Andrew P.; Vaughan, Mark D.; Gilbert, R. Alton (2002)
We examine the value of feedback from the jumbo-certificate-of-deposit (CD) market in the off-site surveillance of community banks. Using accounting data, we construct proxies for default premiums on jumbo CDs. Then, we produce rank orderings of community banks -- defined as institutions holding less than $500 million in assets (constant 1999 dollars) -- based on these proxies. Next, we use an econometric surveillance model to generate rank orderings based on the probability of encountering financial distress. Finally, we compare these rank orderings as tools for flagging emerging problems. ...
Supervisory Policy Analysis Working Papers , Paper 2002-08

Working Paper
Small business lending: challenges and opportunities for community banks
Lemieux, Catharine; Jagtiani, Julapa (2016-03-21)
The recent decline in small business lending (SBL) among U.S. community banks has spurred a growing debate about the future role of small banks in providing credit to U.S. small businesses. This paper adds to that discussion in three key ways. First, this research builds on existing evidence, suggesting that the decline in SBL by community banks is a trend that began at least a decade before the financial crisis. Second, the authors show that in the years preceding the crisis, small businesses increasingly turned to mortgage credit to fund their operations. Finally, this paper illustrates how ...
Working Papers , Paper 16-8

Newsletter
Bringing It Home: The 14th Annual Community Bankers Symposium
Ewing, Elizabeth; Mark, William; Dollen, Jennifer; Ahern, Mark; Verbeke, Scott; Swiatek, Jessica; Berlowe, Aaron; Jefferies, Robert; Kennedy, Pamela (2020)
The 14th annual Community Bankers Symposium, cosponsored by the Federal Reserve Bank of Chicago, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC), was held at the Federal Reserve Bank of Chicago on November 22, 2019. During a full day of speeches and panels, community bank executives, financial industry practitioners, and regulatory agency professionals who work in the Seventh Federal Reserve District explored the current landscape of community banking. This article provides an overview of the event’s key presentations and discussions.
Chicago Fed Letter , Issue 430

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