Skip to main content

Annual Survey of Community Banks

The 2025 CSBS Annual Survey of Community Banks is now open

If your institution has less than $10 billion in total assets, we encourage you to participate in this year’s survey before it closes on June 30. 

This survey provides community bankers with a unique opportunity to share your perspectives with state and federal policymakers. Now in its 13th year, the Annual Survey results offer valuable information on the community bank ecosystem and have been featured in Congressional hearings, industry publications, and academic papers. Survey results will be presented at the Community Banking Research Conference, co-sponsored by CSBS, the Federal Reserve System, and the FDIC, on October 7-8. 

The survey takes approximately 30 minutes to complete, and responses may be entered across multiple sessions. A PDF version of the 2025 Annual Survey questions is available here for your reference. Before you begin, we recommend gathering the amount of 2024 costs for the following items and the amount of each item that is directly associated with regulatory compliance (Call Report Schedule RI-E):

Personnel expenses

Data processing expenses

Legal fees and expenses

Accounting and auditing expenses

Consulting and advisory expenses

  1. Funding costs and regulation are nearly tied for the most important external risks.
  2. Cybersecurity continues to be a top internal risk priority of community bankers
  3. Over half of community bankers surveyed are using or planned to use brokered deposits at or near current levels.
  4. Respondents indicated inflation-created challenges are likely to persist but are manageable.

Additional Research

Research
The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.
Research
The Community Bank Case Study Competition, facilitated by the Conference of State Bank Supervisors (CSBS), is a nationwide academic competition for undergraduate students.
Research
The CSBS Community Bank Survey is an annual look at community banker sentiment about the economy, compliance costs, inflation, technology and more.