Community Banking Bulletin
Provides insights on trends or activities of primary interest to the community banking industry.
Recent Highlights and Features
Highlight: Community bank focus on small business lending
Although community banks continue to allocate more of their portfolios to small business lending…
Highlight: Brokered and reciprocal deposits increase at community banks
Several factors have affected the trend in brokered and reciprocal deposits at community banks
Highlight: CRE concentration and ACL levels stabilize
CRE concentrations and ACL levels at community banks have stabilized in 1Q 2024, both above 10-year averages
Highlight: Nonperforming loan levels remain low overall
Though credit conditions have experienced slight deterioration, nonperforming loans remain at low levels across most loan types...
Highlight: Community bank deposit pricing becoming more sensitive as policy rates remain stable
Community banks were slower to raise deposit rates in the early stage of the rising rate cycle but increased the pace in 2023…
Highlight: Increasing pressure on bank earnings performance
Bank earnings have been pressured by increased interest expenses, overhead costs, provisions, and realized losses on securities...
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For questions and comments, please contact KC.SRM.SRA.CommunityBankingBulletin@kc.frb.org.