Community Banking Bulletin

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

Recent Highlights and Features

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...

Highlight: Continued deposit growth fueling growth in liquid assets

Deposits continued to grow at a substantial pace for community banks* in 2021, further expanding balance sheets with banks...

Provision Expenses Reach Historic Lows in 2021

Loan loss allowance levels were boosted following strong provisioning at the onset of the pandemic. However, as credit...

Highlight: Merger Activity Started to Pick Up in the Second Half of 2021

As the economy has started to rebound from the COVID‐19 pandemic, merger activity at community banking organizations...

Highlight: Asset maturity and repricing dates extend to historic highs

With interest rates at historic lows and balance sheets inflated, community banks are extending maturity and repricing...

Feature: Revenues Elevated Despite Distorted Profitability Metrics

Asset growth driven by economic stimulus programs has caused many traditional profitability measures...

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