Annual Survey of Community Banks

Findings from the 2024 CSBS Annual Survey of Community Banks

This year’s Annual Survey of Community Banks, conducted by the Conference of State Bank Supervisors (CSBS) and state financial regulators, was issued in the wake of the failure of the first two of three large regional banks in 2023, which triggered, among other things, an intense focus on bank liquidity, uninsured deposits and unrealized losses on available-for-sale and held-to-maturity securities.

The survey was distributed by the state financial regulators from April to July 2024 and aimed to identify current issues of relevance to community banks.  

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  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.

Download the Full 2024 Survey

 

Previous Annual Surveys of Community Banks

 

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