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The Community Bank Sentiment Index is an index derived from quarterly polling of community bankers across the nation. As community bankers answer questions about their outlook on the economy, their answers are analyzed and compiled into a single number. An index reading of 100 indicates a neutral sentiment, while anything above 100 indicates a positive sentiment, and anything below 100 indicates negative sentiment.

The Quarter 1 2021 Community Bank Sentiment Index Number is:


This represents a positive reading in economic sentiment by community bankers, coming in seventeen points higher than the fourth Quarter 2020 index of 98 and 24 points higher than last year’s first Quarter 2020 index of 91. The continued vaccine rollout and rebounding economic sentiment pushed the index into positive territory for the first time since 2019.

Key Highlights: 

  • At 115, the CBSI is about 7 points below 2019 levels; however, the index is 17 points higher than last quarter and 24 points higher than a year ago. 
  • Six of the seven components in the CBSI increased from the previous survey by an average of 22.5 points each.
  • Bankers’ outlook on future profitability increased the most, rising to 105 from 62 in the fourth quarter.
  • The regulatory burden component dropped another 19 points to an historic low of 21.

Interactive Dashboard

 In this interactive, you can click on a positive, neutral, or negative view in each subcategory to see how those respondents answered other questions. For example, if you click the "they will be better than today" green bar under business conditions, all other subcategories will update to display responses only by those people who believe future business conditions will be better than today. Clicking on the same item a second time will return you to the original display. 

Data Behind the Index

Every quarter, the Community Bank Sentiment Index number will be accompanied with a paper explaining the underlying data. You can read the full report to learn how this breaks down by region and asset size, the influence of technology and impact on merger activity. 

Sentiment Index Findings

Top Category

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