Community Banking Bulletin
Provides insights on trends or activities of primary interest to the community banking industry.
Recent Highlights and Features
Highlight: Understanding a common community bank tax structure
A large percentage of community banks are Subchapter S-corporations, a federal income tax election with benefits that also...
Highlight: Net interest margins improve but remain below historic levels
Community banks’ net interest margins rose during the recent period of monetary policy tightening but remain below historic...
Highlight: Unrealized loss position improving in securities portfolios
Unrealized losses in the securities portfolios at community banks improve noticeably alongside a decrease in interest rates.
Feature: Community bank mergers continue to slow
While consolidation in the community banking industry continues, several factors have contributed to a slowing trend.
Highlight: Asset maturity and repricing dates decline to pre-pandemic levels
Community banks continue to shorten the maturity and repricing dates of earning assets.
Highlight: Community bank focus on small business lending
Although community banks continue to allocate more of their portfolios to small business lending than regional and large...
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For questions and comments, please contact KC.SRM.SRA.CommunityBankingBulletin@kc.frb.org.