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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 2022 Q3 Community Bank Sentiment Index Number is:

91


This represents a negative reading in economic sentiment by community bankers and is seven points above the index reading for last quarter. 

Key Highlights: 

  • The CBSI rose to 91 points but remains nine points lower than one year ago.
  • Community bankers’ ongoing concerns over high inflation, tepid economic growth and a potentially more burdensome regulatory environment continue to weigh heavily on overall sentiment,. 
  • Sentiment on the individual components increased from last quarter. At 121, the profitability component had the greatest quarterly improvement for the third straight survey, rising 20 points from Q2 2022 and 70 points higher than the Q4 2021 reading.  

   

Chart 1

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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