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Featured Videos from 2025
Welcome and Introduction President Musalem
Morning Keynote Governor Barr
Community Banker Keynote - Price
2025 John Ryan Award
2025 Alexander Price
Community Banker Spotlight 2025: Alexander Price, Citizens State Bank, Ouray, Colorado
Featured Videos from 2024
Welcoming Remarks - Charlie Clark
Morning Keynote with Governor Bowman
John Ryan Award
2024 Liz Magennis
Featured Videos from 2023
Community Banker Spotlight 2023: Jeff Szyperski, Chesapeake Bank
Community Banker Keynote Jeff Szyperski
Welcoming Remarks - Lise Kruse
Morning Keynote with Governor Bowman
Welcoming Remarks President Schmid
Conference Proceedings
2025
2025 CSBS Annual Survey of Community Banks Presentation of Results
2025 CSBS Community Bank Case Study Competition Winning Presentation
Afternoon Plenary - Andrew Felton
Research Session 1- Banks’ Images: Evidence from Financial Advertising
Community Banker Keynote - Alexander Price
Concluding Remarks: Ken Heinecke
Day One Reflections: Carl White
Day Two: Morning Keynote- Governor Michael Barr
Day Two: Morning Keynote Introduction- President Alberto Musalem
Keynote Introduction- Kara Hunter
Morning Keynote Brandon Milhorn
Panel: Buy, Sell, Create, Redefine
Poster Presentation Ruinan Liu
Mission Driven Lenders
Presentation of John W Ryan Award
Research Paper Session 1: Academic Moderator Elizabeth Berger
Research Paper Session 1 - Poverty Spreads in Deposit Markets
Research Paper Session 1: Q&A
Research Paper Session 1 -The Decline of Branch Banking
Research Paper Session 2: Academic Moderator Chris James
Research Paper Session 2: Bad Bank, Bad Luck? Evidence from 1 Million Firm-Bank Relationships
Research Paper Session 2: Q&A
Research Paper Session 2: Supervising Failing Banks
Research Paper Session 2- When Banks Fail: Depositor Attention and the Cost of Funding for Survivors
Research Paper Session 3: Academic Moderator John Hackney
Research Paper Session 3: Data as Collateral
Research Paper Session 3: Q&A
Research Paper Session 3: Regulation Meets Technology
Research Paper Session 3: U.S. Banks’ Artificial Intelligence and Small Business Lending
Research Session 1: Community Bank Discussant Bill Bickle
Research Session 2: Community Bank Discussant Jim Edwards
Research Session 3: Community Bank Discussant Kenneth Kelly
Welcome Remarks - Vice Chair for Supervision Michelle Bowman
Welcoming Remarks Tony Salazar
2024
Fuchs Welcoming Remarks
President Musalem Opening Remarks
Charlie Clark Opening Remarks
2024 CSBS Annual Survey
Keynote from Governor Bowman
Research Session One - Introduction
Research Session One - Greg Nini
Research Session One - Williamson
Research Session 1 - Shohini Kundu
Research Session One - Holod
Research Session One - T Corey Neil
Research Session One - QA
Chairman Gruenberg
Research Session Two - Introduction
Research Session Two - Kim
Research Session Two - Emin
Research Session Two - Narayanan
Research Session 2 - Mary Willis
Research Session 2 - Plosser
Research Session Two - QA
Case Study Introduction - Antonio Salazar
CSBS Case Study
CSBS Case Study QA
Day One Reflections Carl White
Justin Zimmerman Remarks
Community Banker Conversation - Magennis
Jeff Schmid
Research Session Three Cathy Zhang
Research Session 3 - Kleymenova
Research Session 3 - Cespedes
Research Session 3 - Orv Kimbrough
Research Session 3 - Beatty
Research Session Three - QA
Panel Discussion The Future of the Community Bank Business Model
John W Ryan Award
Banking on Deposit Relationships: Implications for Hold-Up Problems in the Loan Market
Credit Union Expansion and Bifurcation in Local Bank Lending
2023
Introduction Interim President O'Neill Paese
Introduction Jim Fuchs
Welcoming Remarks - Lise Kruse
Welcoming Remarks President Schmid
Morning Keynote with Governor Bowman
2023 CSBS Annual Survey Findings
Research Session 1 - Academic Moderator Loutskina
Research Session 1 - Gelman
Research Session 1 - Kim
Research Session 1 - Cookson
Research Session Community Bank Discussant - Hageboeck
Research Session 1 - QA
Afternoon Keynote Chairman Gruenberg
Research Session 2 - Karolyi
Research Session 2 - Gallagher
Research Session 2- Kowalewski
Research Session 2 - Ivanov
Research Session 2 - Anderson
Research Session 2 - QA
CSBS Case Study
CSBS Case Study Faculty Advisor
CSBS Case Study - Charles Clark
Day One Closing Remarks
Introduction by Joe Face for Community Banker Keynote
Community Banker Keynote Jeff Szyperski
Research Session 3 - Karolyi
Research Session 3 - Vij
Research Session 3 - Wirth
Research Session 3 - Pennacchi
Research Session 3 - Foster
Research Session 3 - QA
Panel Discussion
Closing Remarks from James Cooper
Poster Session  Jing Huang
Poster Session Sydney Kim
2022
Day 1
2022 Community Banking Research Conference Highlights
Welcoming Remarks
Welcoming Remarks President Bullard
Welcoming Remarks Tom Fite
Remarks from Chair Powell
National Survey Covington and Siems
National Survey Samowitz
Keynote by Governor Bowman
Research Session 1 Heitz
Research Session 1 Weitzner
Research Session 1 Rabetti
Research Session 1 Garufis
Research Session 1 Flannery
Research Session 1 QA
Special Remarks from Esther George
Keynote from Chairman Gruenberg
Research Session 2 Huang
Research Session 2 Langford
Research Session 2 Li
Research Session 2 Miller
Research Session 2 Jiang
Research Session 2 QA
Case Study Competition
Day 1 Reflection Carl White
Day 2
Community Banker Keynote Clayton Legear
RS3 Amy Hutton
RS3 Oktay Ucran
RS3 Cindy Vojtech
RS3 Allison Nicoletti
RS3 Luanne Cundiff
RS3 QA
Panel Discussion
Wrap-up Lise Kruse
Poster Session Natee Amornsiripanitch
Poster Session Jennifer Rhee
2021
Day 1
Welcome: Jim Fuchs
Presentation of Findings from the 2021 CSBS National Survey of Community Banks
Bullard Remarks
Governor Bowman Keynote Remarks
Research Paper Session 1: Government Loan Guarantees in a Crisis: Bank Protections from Firm Safety Nets
Research Paper Session 1:The Effect of the PPPLF on PPP Lending by Commercial Banks
Research Paper Session 1: Academic Moderator Greg Udell
Research Paper Session 1: Community Bank Discussant David Krause
Research Paper Session 1: Q&A
Research Paper Session 2: Academic Moderator Taylor Begley
Research Paper Session 2: Do Minority Banks Matter?
Research Paper Session 2: Do Mortgage Lenders Compete Locally? Implications for Credit Access
Research Paper Session 2: Community Bank Discussant Dominik Mjartan
Research Paper Session 2: Q&A
Chairman Jelena McWilliams Keynote Remarks
Day 1 Wrap-Up: Carl White
Day 2
Keynote by Darrin Williams, Southern Bancorp
Keynote Introduction- Susannah Marshall
CSBS Case Study
Research Paper Session 3: Strategically Staying Small: Regulatory Avoidance and the Community Reinvestment Act
Research Paper Session 3: Small Bank Financing and Funding Hesitancy in a Crisis: Evidence from the Paycheck Protection Program
Research Paper Session 3: Academic Moderator Christina Bouwman
Research Paper Session 3: Community Bank Discussant James Nicholson
Research Paper Session 3: Q&A
Research Paper Session 4: The Real Effects of Bank Supervision: Evidence from On-Site Bank Inspections
Research Paper Session 4: The Life Cycle of a Bank Enforcement Action and Its Impact on Minority Lending
Research Paper Session 4: Community Bank Discussant CK Lee
Research Paper Session 4: Q&A
Research Paper Session 4: Moderator João Santos
Panel- Future of Commercial Real Estat
Day 2 Wrap-Up: John Ryan
Determinants of Losses on Construction Loans: Bad Loans, Bad Banks, or Bad Markets?
Fighting Failure: The Persistent Real Effects of Resolving Distressed Banks
Mandatory Disclosure and Takeovers: Evidence from Private Banks
2020
Day 1
Presentation of Findings from the 2020 CSBS National Survey of Community Banks
Research Paper Session 1: Moderator and Discussant Response
Research Paper Session1: Q&A
Governor Bowman Keynote Remarks
McWilliams Keynote Conversation with Diane Ellis
President Bullard and Carl White Post-Plenary Session
Research Paper Session 1: The Future of Community Banking
Shared Destinies? Small Banks and Small Business Consolidation
Bank Entrepreneurs
Research Paper Session 2: Moderator Lamont Black and Discussant Alden McDonald, Jr.
Research Paper Session 2: Q&A
Research Paper Session 1: “Revitalize or Stabilize”: Does Community Development Financing Work?
The Propagation of Local Credit Shocks: Evidence from Hurricane Katrina
Day 1 Wrap-up
Day 2
Measurement of Small Business Lending Using Call Reports: Further Insights from the Small Business Lending Survey
Cyberattacks on Small Banks
Banks, Household Credit Access and Intergenerational Economic Mobility
Government-Sponsored Wholesale Funding and the industrial Organization of Bank Lending
How Important Is Moral Hazard For Distressed Banks?
Insurance Pricing, Distortions, and Moral Hazard. Quasi-experimental Evidence from Deposit Insurance
Keynote by Laurie Stewart, Sound Community Bank
Research Paper Session 3: Moderator and Discussant Response
Research Paper Session 3: Q&A
Research Paper Session 4: Moderator and Discussant Response
Research Paper Session 4: Q&A
2020 CSBS Winning Case Study Presentation: Mississippi State University
Panel Discussion: Community Banking in the Time of COVID-19
Day 2 Wrap-up
2019
Day 1
Welcome: Julie Stackhouse, Executive Vice President, Supervision Federal Reserve Bank of St. Louis
Welcome: Bret Afdahl Chairman, Conference of State Bank Supervisors  Director of Banking, South Dakota Division of Banking
Welcome: James Bullard, President and CEO Federal Reserve Bank of St. Louis
Morning Keynote: Michelle Bowman, Governor, Board of Governors of the Federal Reserve System
Discussion of The 2019 CSBS National Survey of Community Banks
Research Paper Session 1: Who's Holding the Bag? Regulatory Compliance Pressure and Bank Risk-Shifting
Research Paper Session 1:To Ask or Not to Ask? Bank Capital Requirements and Loan Collateralization
Research Paper Session 1:Is There a Benefit from Reduced Regulation on Small Banks?
Research Paper Session 1: Moderator Diane Ellis and Community Discussant Lori Maley
Research Paper Session 1: Moderated Q&A
Afternoon Keynote: Jelena McWilliams, Chairman, FDIC
Research Paper Session 2: Capital Mobility and Regulation Frictions: Evidence from U.S. Lottery Winners
Research Paper Session 2:Natural Disasters, Loan Loss Accounting and Subsequent Lending
Research Paper Session 2: Bank Branching Networks and Geographic Contagion of Oil Price Shocks
Research Paper Session 2: Moderator Reaction, Thomas Siems, CSBS
Research Paper Session 2: Community Bank Discussant Gary Petersen, Chairman, Cornerstone Bank, New Town, N.D.
Research Paper Session 2: Moderated Q&A
Research Paper Session 3: Risk-shifting, Regulation and Government Assistance
Research Paper Session 3:Deregulation, Market Structure and the Demise of Old School Banking
Research Paper Session 3: Reliance on Third Party Verification in Bank Supervision
Research Paper Session 3: Moderator Reaction Michael Gibson Director, Division of Supervision and Regulation, Board of Governors of the Federal Reserve System
Research Paper Session 3: Community Bank Discussant Craig Goodlock, Chairman and CEO, Farmers State Bank of Munith, Munith, Mich.
Research Paper Session 3: Moderated Q&A
2019 CSBS Community Bank Case Study Competition
Evening Keynote: Julieann Thurlow, President and CEO, Reading Cooperative Bank, Reading, Mass.
Day 2
Morning Keynote: Patrick Harker, President and CEO, Federal Reserve Bank of Philadelphia
Research Paper Session 4: Small Bank Lending in the Era of Fintech and Shadow Banking: A Sideshow?
Research Paper Session 4: What is Fueling the Fintech Lending Revolution? Local Banking Market Structure and Fintech Market Penetration
Research Paper Session 4: Bank Technology: Productivity and Employment
Research Paper Session 4: Moderator Reaction Traci Mach, Principal Economist, Board of Governors of the Federal Reserve System
Research Paper Session 4: Community Bank Discussant Michael Busch, President and CEO, Burling Bank, Chicago, Ill.
Research Paper Session 4: Moderated Q&A
Panel Discussion: The Future of Funding
2019 Conference Wrap Up: John Ryan, CSBS
2018
Day 1: Wednesday, October 3, 2018
Opening Keynote Address: Loretta Mester, president and CEO, Federal Reserve Bank of Cleveland
Welcoming Remarks: Charlotte Corley, commissioner, Mississippi Department of Banking and Consumer Finance; chairman, Conference of State Bank Supervisors (CSBS)
Welcoming Remarks: Julie Stackhouse, executive vice president, Federal Reserve Bank of St. Louis
Welcoming Remarks: James Bullard, president and CEO, Federal Reserve Bank of St. Louis
Research Paper Session 1: Did Bank Small-Business Lending in the U.S. Recover After the Financial Crisis?
Research Paper Session 1:How Important are Local Community Banks to Small Business Lending? Evidence from Mergers and Acquisitions
Research Paper Session 1: Remote Competition and Small Business Loans: Evidence from SBA Lending
Research Paper Session 1: Similarities and Differences in Small Business Lending Between Small and Large Banks: Findings from the Small Business Lending Survey
Research Session 1: Moderator Reaction
Research Session 1: Community Bank Discussant, Janet Garufis, chairman and CEO, Montecito Bank and Trust, Santa Barbara, Calif.
Research Paper Session 1: Moderated Q&A
2018 CSBS Community Bank Case Study Competition: Introduction, Brett Afdahl, director of banking, South Dakota Division of Banking; chair-elect, Conference of State Bank Supervisiors; Winning Team Eastern Kentucky University
2018 CSBS Community Bank Case Study: Moderated Q&A
Day One Closing Remarks: Jelena McWilliams, chairman, Federal Deposit Insurance Corp.
Evening Keynote Address: Gerard Cuddy, president and CEO, Beneficial Bank, Philadelphia, Pa.
Day 2: Thursday, October 4, 2018
Morning Keynote Address: Randal K. Quarles, Vice Chairman for Supervision, Board of Governors of the Federal Reserve System
Morning Keynote Address: Moderated Q&A
Research Paper Session 2:The Effects of Competition in Consumer Credit Markets
Research Paper Session 2: The Competitive Effects of Megabanks on Community Banks
Research Paper Session 2: Depositors Disciplining Banks: The Impact of Scandals
Research Paper Session 2 Moderator Reaction: Dr. Timothy Koch, University of South Carolina
Research Paper Session 2: Community Bank Discussant, Gilda Nogueira, president and CEO, East Cambridge Savings Bank, Cambridge, Mass.
Research Paper Session 2 Moderated QA
Research Paper Session 3: CEO Succession and Performance at Rural Banks
Research Paper Session 3: Stress Testing Community Banks
Research Paper Session 3:Home Biased Credit Allocations
Research Paper Session 3: Technology Investment, Firm Performance and Market Value: Evidence from Banks
Research Paper Session 3: Moderator Reaction, Elizabeth Kiser, associate director and economist, Board of Governors of the Federal Reserve System
Research Paper Session 3: Community Bank Discussant, Thomas Hough, CEO, Carrollton Bank, Carrollton, Ill.
Research Paper Session 3: Moderated Q&A
2018 National Survey of Community Banks: Presentation of Results
Panel Discussion: The Future of Community Banking
2018 Conference Wrap Up: John Ryan, CSBS
2017
Day 1: Wednesday, October 4, 2017
Welcoming Remarks: Albert Forkner, commissioner, Wyoming Division of Banking; chairman, Conference of State Bank Supervisors (CSBS)
Welcoming Remarks: Julie Stackhouse, executive vice president, Supervision, Federal Reserve Bank of St. Louis
Opening Remarks: Janet Yellen, chair, Board of Governors of the Federal Reserve System
Research Paper Session 1: Robert DeYoung, University of Kansas (KU) School of Business
Research Paper Session 1: The Effect of Bank Supervision on Risk-Taking: Evidence from a Natural Experiment
Research Paper Session 1: Does Bank Supervision Matter? Evidence from Regulatory Office Closures
Research Paper Session 1: Rules and Judgment in the Oversight of Bank Accounting Practice
Research Paper Session 1: Moderator Reaction
Research Paper Session 1: Community Bank Discussant, Martin Birmingham, Five Star Bank, Rochester, Ny.
Research Paper Session 1: Moderated Q&A
2017 CSBS Community Bank Case Study Competition: Introduction, Charlotte Corley, commissioner, Mississippi Department of Banking and Consumer Finance
2017 CSBS Community Bank Case Study Competition: Winning Team, The University of Akron
2017 CSBS Community Bank Case Study Competition: Moderated Q&A
Evening Keynote Address: Cynthia Blankenship, Bank of the West, Grapevine, Texas
Day 2: Thursday, October 5, 2017
Morning Keynote Address: John Williams, president and chief executive officer, Federal Reserve Bank of San Francisco
Morning Keynote Address: Q&A
Research Paper Session 2: Core Profitability of Community Banks, 1995-2015
Research Paper Session 2: Competition and Bank Fragility
Research Paper Session 2: Regulatory Asset Thresholds and Acquisition Activity in the Banking Industry
Research Paper Session 2: Community Bank Discussant, Kevin Riley, First Interstate Bank, Billings, Mont.
Research Paper Session 2: Moderator Reaction, Allen Berger, Darla Moore School of Business, University of South Carolina
Research Paper Session 2: Moderated Q&A
Research Paper Session 3: Financial Crises and Filling the Credit Gap: The Role of Government-guaranteed Loans
Research Paper Session 3: The Real Effects of Geographic Lending Disclosure on Banks
Research Paper Session 3: Color and Credit: Race, Regulation and the Quality of Financial Services
Research Paper Session 3: Community Bank Discussant, Peter Schork, Ann Arbor State Bank, Ann Arbor, Mich.
Research Paper Session 3: Moderator Reaction, Tim Yeager, Sam M. Walton College of Business, University of Arkansas
Research Paper Session 3: Moderated Q&A
2017 National Survey of Community Banks: Presentation of Results
Community Banking in the 21st Century: Panel Discussion
Community Banking in the 21st Century: Panel Discussion Q&A
2017 Conference Wrap-Up: John Ryan, CSBS
2016
Day 1: Wednesday, September 28, 2016
Day 1 Welcome: Julie Stackhouse, Executive Vice President, Supervision, Federal Reserve Bank of St. Louis
Welcoming Remarks: Charles G. Cooper, commissioner, Texas Department of Banking; chairman, Conference of State Bank Supervisors (CSBS)
Welcoming Remarks: James Bullard, president and CEO, Federal Reserve Bank of St. Louis
Research Paper Session 1: Moderator Robin A. Prager, Board of Governors of the Federal Reserve System
Research Paper Session 1: Is the Traditional Banking Model a Survivor?
Research Paper Session 1: Bank Business Models in the U.S.: Identification, Performance, Risks and Regulation
Research Paper Session 1: Why Banks Matter: Measuring the Impact of Banks on Missouri’s Economy
Research Paper Session 1: The Changing Face of Communities Served by Minority Depository Institutions: 2001 - 2014
Research Paper Session 1: Moderator Reaction
Research Paper Session 1: Community Bank Discussant: William Dana Jr., president and chief executive officer, Central Bank of Kansas City, Kansas City, Mo.
Research Paper Session 1: Moderated Q&A
Afternoon Keynote Address: Charles Evans, president and CEO, Federal Reserve Bank of Chicago
Afternoon Keynote Address Q&A: Charles Evans, president and CEO, Federal Reserve Bank of Chicago
Research Paper Session 2: Moderator Cynthia L. Course, director, financial institution supervision and credit, Federal Reserve Bank of San Francisco
Reserach Paper Session 2: Is Bigger Necessarily Better in Community Banking?
Research Paper Session 2: Bank Size, Compliance Costs and Compliance Performance in Community Banking
Research Paper Session 2: Has the Relationship Between Bank Size and Profitability Changed?
Research Paper Session 2: Moderator Reaction
Research Paper Session 2: Community Bank Discussant: Allan (Al) Landon, general partner, Community BanCapital, Portland, Ore.
Research Paper Session 2: Moderated Q&A
Presentation of Winning Case Study and Video from the 2016 CSBS Community Bank Case Study Competition: Southeastern Louisiana University
2016 CSBS Community Bank Case Study Competition Presentation: Moderated Q&A
Evening Keynote Address: H.E. “Gene” Rainbolt, chairman, BancFirst Corporation, Oklahoma City, Okla.
Day 2: Thursday, September 29, 2016
2016 Morning Keynote Address: Governor Jerome Powell, Board of Governors of the Federal Reserve System
Morning Keynote Q&A
Research Paper Session 3: Moderator Todd Vermilyea, Federal Reserve Board of Governors
Research Paper Session 3: Did Capital Requirements in the Early 20th Century U.S. Promote Bank Stability?
Research Paper Session 3: Dodd-Frank Federal Deposit Insurance Reform
Research Paper Session 3: Commercial Lending Concentration and Bank Expertise: Evidence from Borrower Financial Statements
Research Paper Session 3: Moderator Reaction
Research Paper Session 3: Community Bank Discussant: Glen Jammaron, vice chairman and president, Alpine Banks of Colorado, Glenwood Springs, Colo.
Research Paper Session 3: Moderated Q&A
2016 National Survey of Community Banks: Presentation of Results
2016 Panel Discussion: Moderator, Melanie Hall, commissioner, Montana Division of Banking and Financial Institutions
2016 Panel Discussion: Lori Bettinger, executive vice president, Alliance Partners; president, BancAlliance
2016 Panel Discussion: Ann Marie Mehlum, associate administrator, U.S. Small Business Administration (SBA)
2016 Panel Discussion: Richard Sanborn, president and chief executive officer, Seacoast Commerce Bank, San Diego, Calif.
2016 Panel Discussion: Darrin L. Williams, chief executive officer, Southern Bancorp, Inc., Arkadelphia, Ark.
2016 Panel Discussion: How do you see regulatory burden impacting the community banking industry in the short term? Long term?
2016 Panel Discussion: Looking ahead 10 years, what aspects of the community bank business model will undergo the most dramatic change? Which will likely remain unchanged?
2016 Panel Discussion: Moderated Q&A
2016 Conference Wrap-up: Michael Stevens, CSBS
2015
Day 1: Wednesday, September 30, 2015
Welcoming Remarks: Julie Stackhouse, senior vice president, Federal Reserve Bank of St. Louis
Welcoming Remarks: David J. Cotney, commissioner of banks, Massachusetts Division of Banks;  chairman, Conference of State Bank Supervisors
Welcoming Remarks: James Bullard, president and CEO, Federal Reserve Bank of St. Louis
Opening Remarks: Janet Yellen, chair, Board of Governors of the Federal Reserve System
Research Paper Session 1: Moderator Ron Feldman, executive vice president and senior policy advisor, Federal Reserve Bank of Minneapolis
Research Paper Session 1: Discussant Megan F. Clubb, chairman and chief executive officer, Baker-Boyer National Bank, Walla Walla, Wash.
Research Paper Session 1: The Changing Role of Small Banks in Small Business Lending
Research Paper Session 1: Lending on Main Street: Challenges and Opportunities for Community Banks- Before, During and After the Financial Crisis
Research Paper Session 1: Small Bank Comparative Advantage in Alleviating Financial Constraints and Providing Liquidity Insurance over Time
Research Paper Session 1- How does Farm Credit System Lending Affect Competition in Banking Markets?
Research Paper Session 1: Moderator Reaction
Research Paper Session 1: Q&A
Presentation of Winning Video from CSBS' 2015 Inaugural Community Bank Case Study Competition
2015 Evening Keynote Address: Lael Brainard, governor, Board of Governors of the Federal Reserve System
Day 2: Thursday, October 1, 2015
Research Paper Session 2: Moderator Julapa Jagtiani, special advisor, Supervision, Regulation and Credit Department, Federal Reserve Bank of Philadelphia
Research Paper Session 2: Discussant Charles A. Paul, III (Chad Paul), director-member, North Carolina State Banking Commission; managing partner, Harbor Island Partners, LLC, Wilmington, N.C.
Research Paper Session 2: Did the Financial Reforms of the Early 1990s Fail? A comparison of Bank Failures and FDIC Losses in the 1986 – 1992 and 2007 – 2013 Periods
Research Paper Session 2: Financial Performance and Managment Structure of Small, Closely-Held Banks
Research Paper Session 2: How Vulnerable are Agriculturally Concentrated Banks to a Fall in Agricultural Land Values?
Research Paper Session 2: An Historical Loss Approach to Community Bank Stress Testing
Research Paper Session 2: Moderator Reaction
Research Paper Session 2: Moderated Q&A
Research Paper Session 3: Moderator Robin A. Prager, senior adviser, division of research and statistics, Board of Governors of the Federal Reserve System
Research Paper Session 3: Discussant Steven A. Brown, president and chief executive officer, Pacific Coast Banker’s Bank (PCBB), Walnut Creek, Calif.
Research Paper Session 3: The State and Fate of Community Banking Video 1
Research Paper Session 3: The State and Fate of Community Banking Video 2
Research Paper Session 3: Accounting for the Decline in the Number of Community Banks since the Great Recession
Research Paper Session 3: The Direct Costs of Bank Compliance around New Regulations for Small and Community Banks
Research Paper Session 3: Post-Crisis Residential Mortgage Lending by Community Banks
Research Paper Session 3: Moderator Reaction
Research Paper Session 3- Moderated QA
Introduction for Keynote Speaker: Charles G. Cooper, commissioner, Texas Department of Banking
2015 Banker Keynote: Reid Ryan, R Bank, Round Rock, Texas
2015 National Survey of Community Banks: Presenation of Results
2015 Panel Discussion: Video 1
2015 Panel Discussion: Video 2
2015 Panel Discussion: Video 3
2015 Panel Discussion: Video 4
2015 Conference Wrap-up
2014
Day 1: Tuesday, September 23, 2014
Welcoming Remarks: Julie Stackhouse, executive vice president, Federal Reserve Bank of St. Louis
Welcoming Remarks: James Bullard, president, Federal Reserve Bank of St. Louis
Welcoming Remarks-Ryan
Welcoming Remarks-Powell
Morning Keynote Address: Esther L. George, president, Federal Reserve Bank of Kansas City
Research Paper Session 1: Moderator Ken B. Cyree, Ph.D., Dean and the Frank R. Day/Mississippi Bankers Association Chair of Banking, University of Mississippi School of Business Administration; Director, Mississippi School of Banking
Research Paper Session 1: Panelist Mark Schroeder, chairman and CEO, German American Bank, Jasper, Ind.
Research Paper Session 1: The Entry, Performance and Viability of De Novo Banks
Research Paper Session 1: Where Are All the New Banks? The Role of Regulatory Burden in New Charter Creation
Research Paper Session 1: Rivalry, Market Structure and Innovation: The Case of Mobile Banking
Research Paper Session 1: What Explains Low Net Interest Income at Community Banks?
Research Paper Session 1: Moderator Reaction
Research Paper Session 1: Q&A
Research Paper Session 2: Moderator Richard A. Brown, chief economist and associate director for regional operations, Division of Insurance and Research, Federal Deposit Insurance Corporation, Washington, D.C.
Research Paper Session 2: Panelist David C. Williams, president and CEO, Upper Peninsula State Bank, Escanaba, Mich.
Research Paper Session 2: Assessing Targeted Macroprudential Financial Regulation: The Case of the 2006 Commercial Real Estate Guidance for Banks
Research Paper Session 2: The Impact of Small Business Lending Fund on Community Bank Lending to Small Businesses
Research Paper Session 2-When Bank Examiners Get It Wrong: Financial Institution Appeals of Material Supervisory Determinations
Research Paper Session 2: Moderated Q&A
Research Paper Session 3: Moderator Heidi Mandanis Schooner, Columbus School of Law, Catholic University of America, Washington, D.C.
Research Paper Session 3: Panelist J. Pat Hickman, chairman and CEO, Happy State Bank, Happy, Texas
Research Paper Session 3:How Are Small Banks Faring Under Dodd-Frank?
Research Paper Session 3: Did the JOBS Act Benefit Community Banks? A Regression Discontinuity Study
Research Paper Session 3: A Tiered System of Regulation is Needed To Preserve the Viability of Community Banks and Reduce the Risks of Megabanks
Research Paper Session 3: Federal Policy, Market Failures and the Challenge for Community Banks
Research Paper Session 3: Moderated Q&A
Inroduction for Keynote Speaker: Candace A. Franks, CSBS Chairman and Arkansas Commissioner of Banks
Evening Keynote Address: Rebeca Romero Rainey, chair & CEO Centinel Bank, Taos, New Mexico
Day 2: Wednesday, September 24, 2014
2014 Community Banker Town Hall Survey Presentation of Results
The Future of Community Banking: Moderator Lamont Black, assistant professor of finance, Driehaus College of Business, DePaul University Chicago, Ill.
The Future of Community Banking: Panel Video 1
The Future of Community Banking: Panel Video 2
The Future of Community Banking: Panel Video 3
The Future of Community Banking: Panel Video 4
The Future of Community Banking: Panel Q&A
Closing Remarks: Julie Stackhouse, senior vice president of the St. Louis Fed’s Banking Supervision and Regulation division
2013
Day 1: Wednesday, October 2, 2013
Welcoming Remarks: Julie Stackhouse, senior vice president, Federal Reserve Bank of St. Louis
Welcoming Remarks: John Ryan, president and CEO, Conference of State Bank Supervisors
Welcoming Remarks: James Bullard, president, Federal Reserve Bank of St. Louis
Opening Remarks: Ben Bernanke, chairman, Board of Governors of the Federal Reserve
Research Paper Session 1: Moderator Scott E. Hein, Robert C. Brown Chair in Finance, Rawls College of Business, Texas Tech University, Lubbock, Texas
Research Paper Session 1: Do Community Banks PLay a Role in New Firm Survival?
Research Paper Session 1: Equipment Leasing and Financing: The Role of Community Banks
Research Paper Session 1: Equipment Leasing and Financing: The Role of Community Banks Video 2
Research Paper Session 1: Small Business Lending and Social Capital: Are Rural Relationships Different?
Research Paper Session 1: Bank Failure, Relationship Lending and Local Economic Performance
Research Paper Session 1: Moderated Q&A
Evening Keynote Address: Dorothy A. Savarese, chairman, president and CEO of Cape Cod Five Cents Savings Bank, Orleans, Mass.
Day 2: Thursday, October 3, 2013
Research Paper Session 2: Moderator Richard A. Brown, chief economist and associate director for regional operations, Federal Deposit Insurance Corp., Washington, D.C.
Research Paper Session 2: Financial Derivatives at Community Banks
Research Paper Session 2: Lessons from Community Banks that Recovered from Financial Distress
Research Paper Session 2: Performance of Community Banks in Good Times and Bad Times: Does Management Matter?
Research Paper Session 2: The Effect of Distance on Community Bank Performance Following Acquisitions and Reorganizations
Research Paper Session 2: Moderated Q&A
Research Paper Session 3: Moderator Lamont Black, assistant professor of finance, Driehaus College of Business, DePaul University, Chicago, Ill.
Research Paper Session 3: Estimating Changes in Supervisory Standards and Their Economic Effects
Research Paper Session 3: The Impact of Dodd-Frank on Community Banks
Research Paper Session 3: Capital Regulation at Community Banks: Lessons from 400 Failures
Research Paper Session 3: A Failure to Communicate: The Pathology of Too Big to Fail
Research Paper Session 3: Moderator Wrap-up
Research Paper Session 3: Moderated Q&A
Afternoon Keynote Address: Governor Jerome Powell, Board of Governors of the Federal Reserve System
Presentation of Results from Town Hall: Presenter Mike Stevens, senior executive vice president, Conference of State Bank Supervisors
Community Banking in the 21st Century Panel: Moderator Charles A. Vice, CSBS chairman and Kentucky Department of Financial Institutions commissioner
Community Banking in the 21st Century: Opportunities, Challenges and Perspectives- Panelist Curt Hecker, president and CEO, Panhandle State Bank, Sandpoint, Idaho
Community Banking in the 21st Century: Opportunities, Challenges and Perspectives- Panelist Bobby P. Martin, chairman of the board, The Peoples Bank, Ripley, Miss.
Community Banking in the 21st Century: Opportunities, Challenges and Perspectives- Panelist Thomas E. Spitz, chief executive officer, Settlers Bank, Windsor, Wis.
Community Banking in the 21st Century: Opportunities, Challenges and Perspectives- Panelist Claire W. Tucker, president and CEO, CapStar Bank, Nashville, Tenn.
Community Banking in the 21st Century:Opportunities Challenges and Perspectives- Panel Q&A
Closing Remarks: Julie Stackhouse, senior vice president, Federal Reserve Bank of St. Louis
Community Banker Spotlight
Community Banker Spotlight 2025: Alexander Price, Citizens State Bank, Ouray, Colorado
Community Banker Spotlight 2024: Elizabeth Magennis, ConnectOne Bank
Community Banker Spotlight 2023: Jeff Szyperski, Chesapeake Bank
Community Banker Spotlight 2019: Dave Hanson, American State Bank and Trust
Community Banker Spotlight 2019: Buddy Mortimer, Bank of Kilmichael
Community Banker Spotlight 2019: Lori Maley, Bank of Bird-in-Hand
Community Banker Spotlight 2018: Daniel Yates, Brattleboro Savings and Loan
Community Banker Spotlight 2018: Dylan Clarkson, Pioneer Bank and Trust
Community Banker Spotlight 2018: Tom Hough, Carrollton Bank
Community Banker Spotlight 2017: Chuck Mausbach, Frandsen Financial Corporation
Community Banker Spotlight 2017: Lee McCann, Sabine State Bank
Community Banker Spotlight 2017: Craig Reeves, FNB New Mexico
Community Banker Spotlight 2016: John V. Evans Jr., D.L. Evans Bank
Community Banker Spotlight 2016: Joe Kesler, First Montana Bank
Community Banker Spotlight 2016: H.E. "Gene" Rainbolt, BancFirst
Community Banker Spotlight 2016: Claire Tucker, CapStar Financial Holdings
Community Banker Spotlight 2015: John W. Jay, Roscoe State Bank
Community Banker Spotlight 2015: Chris Oddliefson, Rockland Trust
Community Banker Spotlight 2015: Scott Page, CoBiz Bank
Community Banker Spotlight 2015: Gary L. Tice, First Florida Integrity Bank
Community Banker Spotlight 2015: Jim Watson, Midwest BankCentre
Commissioner Perspectives
2023 Joe Face
2019 Commissioner Perspectives: Lise Kruse of the North Dakota Department of Financial Institutions
Commissioner Perspectives 2019: Charlotte Corley, Mississippi Department of Banking and Consumer Finance
Commissioner Perspectives 2017: Mike Rothman, Minnesota Department of Commerce
Commissioner Perspectives 2017: Christopher Moya, New Mexico Financial Institutions Division
2017 - The Importance of Community Banking
Commissioner Perspectives 2017: John Ducrest, Louisiana Office of Financial Institutions
Commissioner Perspectives 2016: Gavin M. Gee, Idaho Department of Finance
Commissioner Perspectives 2016: Greg Gonzales, Tennessee Department of Financial Institutions
Commissioner Perspectives 2016: Melanie Hall, Montana Division of Banking and Financial Institutions
Community Banking: In Your Community and Beyond
Commissioner Perspectives 2016: Mick Thompson, Oklahoma Banking Department
Commissioner Commentary
2017 Commissioner Commentary - Utah
2017 Commissioner Commentary - Hawaii
2017 Commissioner Commentary - Kentucky
Conference Highlights
2018 Community Banking in the 21st Century Conference Highlights
2017 Community Banking in the 21st Century Conference Highlights
2016 Community Banking in the 21st Century Conference Highlights
2015 Community Banking in the 21st Century Conference Highlights
2014 Community Banking in the 21st Century Conference Highlights
2013 Community Banking in the 21st Century Conference Highlights
2025 CBRC Highlights
CSBS Community Bank Case Study Competition
2018 Community Bank Case Study Competition Finalist
2017 University of Akron Case Study
2016 Case Study Highlights
2016 Winner's Presentation: Southeastern Louisiana University
2016 Southeastern Louisiana University Case Study
2016 University of Arkansas, Competition Participant
2016 University of Wyoming, Competition Participant
2016 Concordia College, Competition Participant
2015 University of Utah, Competition Participant and 1st Place Winner
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