Community Banking Bulletin

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

Recent Highlights and Features

Highlight: Risk premium for CRE lending has declined

As the federal funds rate and broader market interest rates have risen over the past year, lags in repricing have…

Highlight: Rising salary expenses as balance sheets grow

Community banks are paying more in salary costs, despite lower staffing levels, but employees are managing…

Highlight: Earnings remain elevated despite slight decline in 2022

Earnings fell slightly at CBOs in 2022 compared to the year prior, though remain above pre-pandemic…

Highlight: FHLB borrowings increase and tangible common equity remains depressed

Community banks are increasingly accessing FHLB borrowings at a time when tangible common…

Highlight: Branch counts and deposit market share have declined

The number of branches at CBOs continue to decline, as does their market share of deposits.

Highlight: Banks turn to noncore borrowings as funding profiles shift

The use of noncore funding has increased in 2022 as banks look to fund loan growth, in contrast to the trends…


To receive email alerts for the Community Banking Bulletin and other publications, External Linksubscribe here.

Contact Us

For questions and comments, please contact