The latest CBSI shows that even as bankers expect business conditions to improve, rising profitability is not inevitable, and they are concerned about a weightier regulatory burden.

CSBS Senior Economist and Director of Research Tom Siems considers results for 10 economic sectors in the latest CBSI.

CSBS Senior Economist Tom Siems explores what future economic activities concern community bankers the most, based on the most recent CBSI.

CSBS's Tom Siems and Nathan Ross reflect on the legacy of Milton Friedman, born 108 years ago today.

State-chartered banks were the primary distributor of relief funds to communities, according to a new analysis by CSBS. The analysis matched recently available loan-level Paycheck Protection Program (PPP) data with lender demographic data, providing the first estimate of how different types of lenders originated PPP loans for small businesses around the country. Specifically, the analysis revealed that, as of July

James Madison University won this year’s annual CSBS Community Bank Case Study Competition. The competition, now finishing its fifth year, provides undergraduate students an opportunity to conduct research and gain first-hand knowledge of the banking industry. The team of five examined how their partner institution, Farmers and Merchant Bank, approached banking challenges over the past ten years and will predict

The CSBS Community Bank Sentiment Index for September shows that bank optimism remains strong.

By Michael L. Stevens, CSBS Senior Executive Vice President The fourth quarter Community Bank Sentiment Index (CBSI) had a slight uptick to 123, reflecting an overall positive outlook for the economy and community banks. This quarter 208 bankers from 43 states participated in the survey, providing a good geographic mix. The index, first calculated in the second quarter of 2019

The Federal Financial Institutions Examination Council (FFIEC) today issued a new booklet in the FFIEC Information Technology Examination Handbook series, titled “Architecture, Infrastructure, and Operations.” The booklet provides expanded guidance to help financial institution examiners assess the risk profile and adequacy of an entity’s information technology architecture, infrastructure, and operations. The new booklet replaces the “Operations” booklet issued in July

Washington, D.C. — State financial regulators today urged the U.S. Department of Education to rescind recent policies that interfere with state regulation of federal student loan servicers and debt collectors. Under the Trump Administration, the Education Department enacted policies that prevented state financial regulators from supervising federal student loan servicers and providing consumer protections available under state law. In a