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A New Challenge for Community Banks

A newly-proposed Community Bank Leverage Ratio may actually provide more burden than relief.

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Small Business

What is the Conference of State
Bank Supervisors?


The Conference of State Bank Supervisors is the nationwide organization of financial regulators from all 50 U.S. states, the District of Columbia, Guam, Puerto Rico, American Samoa, and the U.S. Virgin Islands.

For more than a century, CSBS has given state supervisors a national forum to coordinate supervision and develop policy. CSBS also represents its members before federal policymakers and regulators, provides training, and manages the Nationwide Multistate Licensing System.


Blog post
North Dakota, the first state to ask for a temporary appraisal waiver, has backed up its request with additional data showing the negative impacts of the appraiser shortage in the state.
Apr 15, 2019
Digital Media
Vision 2020 is a state regulator initiative to modernize the regulation of fintech companies and other non-depositories. The goal: an integrated, 50-state system of licensing and supervision.
Jan 8, 2018
Vision 2020 contains several CSBS and state initiatives to modernize nonbank regulation. What has been done to date, and what should you expect next?
Aug 2, 2018
Press Room
The Conference of State Bank Supervisors (CSBS) released a series of action items to implement feedback received from the 33 companies on the CSBS Fintech Industry Advisory Panel.
Feb 14, 2019
Apr 30 - May 1
Baltimore, Maryland
May 20 - May 24
Providence, Rhode Island
May 20 - May 24
Providence, Rhode Island

Recent Updates

Blog post
CSBS outlined another reason why the community bank leverage ratio should use Tier 1 Capital instead of tangible equity.
Apr 23, 2019
While state regulators support maintaining fair and appropriate pricing of deposit insurance for institutions that use the CBLR, we believe that the proposed revisions to the deposit insurance assessment system are ultimately unnecessary because the…
Apr 22, 2019
Blog post
This animated map shows the distribution of the top 10 banks branch locations (ranked by assets) versus all of the other banks in the system from 1994 through 2018.
Nov 9, 2018
Blog post
Community banks provide 65% of all industry agriculture lending and 42% of all small loans to businesses in the nation but make up only 6.7% of the banking system's assets, according to the latest from Data Corner.
Dec 13, 2018
Blog post
A look at community bank consolidation over 14 years.
Feb 5, 2019
North Dakota puts more emphasis behind its appraiser waiver request, a capital simplification proposal doesn't go far enough, and CSBS and Temple University work on a sentiment index.
Apr 19, 2019