FDIC Releases Community Bank Study

FDIC Community Banks

On December 18, the FDIC released the results of a study of U.S. community banking and other community bank measures resulting from its year-long Community Banking Initiative. The study explores the definition of a community bank, structural changes among community and non-community banks, the geography of community banking, the performance of community banks compared to non-community banks, the performance of community bank lending specialty groups, and capital formation at community banks. Other materials developed by the FDIC as part of the Initiative include the findings of a review of the FDIC’s examination, rulemaking, and guidance processes.