Community Banking Bulletin

Provides insights on trends or activities of primary interest to the community banking industry.

Recent Highlights and Features

Feature: Agricultural loan growth has returned to pre-pandemic levels

Community banks continue to play an integral part in commercial bank agricultural lending

Highlight: Liquid Assets Declining From Pandemic Highs

The level of assets generally considered highly liquid has seen a significant decline as on-balance sheet liquidity has been used…

Highlight: Decline in net interest income driven primarily by interest rates

The decline in net interest income at CBOs in 2023 is attributable to the interest rate environment despite being partially...

Highlight: CECL adoption’s impact on community bank allowance levels

There is considerable variance in the average percentage change in allowance levels with adoption of the CECL model…

Highlight: Funding costs increase as composition changes

Pricing pressures from deposit competition and shifts in consumer behavior have caused a decline in non-maturity…

Highlight: Risk premium for CRE lending has declined

As the federal funds rate and broader market interest rates have risen over the past year, lags in repricing have…