Community Banking Bulletin

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

Recent Highlights and Features

October 21, 2026

Highlight: Loan modifications remain stable despite rising delinquencies

The level of loan modifications as a percentage of total loans at community banks has remained relatively stable in recent...

September 22, 2026

Highlight: New legislation broadens reciprocal deposit reporting guidelines

Under the 21st Century ROAD to Housing Act, community banks can now exclude more reciprocal deposits from brokered deposit...

August 27, 2026

Highlight: Community banks benefit from proposed FDIC assessment relief

The FDIC’s proposed deposit insurance assessment changes would reduce rates for community banks, lowering expenses and...

July 21, 2026

Highlight: Smaller institutions embrace faster payments with FedNow

FedNow adoption accelerates among smaller institutions with opportunity for more growth in the future.

June 26, 2026

Feature: Community banks are increasingly reliant on lower margins

Compared to 25 years ago, community bank net interest margins are lower but account for a greater portion of total revenue.

May 28, 2026

Highlight: Community bank ratio of core deposits near 15-year lows

Core deposits as a percentage of total deposits at community banks are near 15-year lows but remain a primary funding source.

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