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…
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