Community Banking Bulletin

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

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

Loans secured by 1-4 family residential properties have remained stable as a percentage of capital while mortgage servicing...

Non-interest expenses are increasing across community banks, particularly in non-itemized expense categories. Smaller banks...

Community bank asset quality metrics are normalizing following a period of historically elevated allowance levels and...

Community bank mergers accelerated in 2025, with sellers exhibiting lower profitability than acquirers.