Community Banking Bulletin

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

Recent Highlights and Features

Highlight: Unrealized Losses Lowering Tangible Equity Capital

The rising interest rate environment has led to unrealized loss positions in community bank* available-for-sale securities...

Highlight: Capital Adequacy Measures Diverge During Pandemic

Unprecedented asset growth during the pandemic placed downward pressure on leverage capital ratios while total risk-based...

Highlight: Decreased Gains on Loan Sales Driving Drop in Noninterest Income

Revenue from secondary market sales of loans continues to decline, in line with the drop in reported* sales of 1-4 family...

Feature: Effects of Pandemic Unlike Previous Financial Crisis

While the COVID-19 pandemic brought uncertainty across the financial sector, community banks have fared better than in the...

Highlight: Unrealized Losses Mount Across Securities Portfolios

As a result of recent interest rate increases and the lengthening of maturities in securities portfolios during the pandemic, ...

Highlight: Earnings Support Dividends and Moderate Declining Leverage Ratio Trend at Community Banks

Higher earnings in 2021 have supported continued dividend payouts and capital growth to moderate the downward pressure of...

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