Community Banking Bulletin

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

Recent Highlights and Features

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…

Highlight: Rising salary expenses as balance sheets grow

Community banks are paying more in salary costs, despite lower staffing levels, but employees are managing…

Highlight: Earnings remain elevated despite slight decline in 2022

Earnings fell slightly at CBOs in 2022 compared to the year prior, though remain above pre-pandemic…

Highlight: FHLB borrowings increase and tangible common equity remains depressed

Community banks are increasingly accessing FHLB borrowings at a time when tangible common…

Highlight: Branch counts and deposit market share have declined

The number of branches at CBOs continue to decline, as does their market share of deposits.

Highlight: Banks turn to noncore borrowings as funding profiles shift

The use of noncore funding has increased in 2022 as banks look to fund loan growth, in contrast to the trends…

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For questions and comments, please contact KC.SRM.SRA.CommunityBankingBulletin@kc.frb.org.