The call for papers for the 2025 Community Banking Research Conference is now open through May 16. This year marks the 13th year of the conference, which is sponsored by the Federal Reserve, the Conference of State Bank Supervisors (CSBS), and the Federal Deposit Insurance Corp. (FDIC).
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Overall, U.S. banks are in good condition with solid earnings, sound asset quality and regulatory capital levels above required minimums.
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Cybersecurity, regulation, and technology and funding costs are community bankers’ most pressing current concerns, according to an annual survey that covers the economic, regulatory, competitive and operational challenges they face.
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One of the pressures the banking industry has faced over the past two years is the rising cost of deposits. Rates paid on deposits have risen sharply since March 2022, when the Federal Reserve began tightening monetary policy. Although last week’s reduction in the Fed’s target range for the federal funds rate promises relief, there are factors other than monetary policy at play.
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Despite some headwinds going into 2024, the U.S. commercial banking industry posted satisfactory earnings, asset quality and capital in 2023, although several indicators were down from their 2022 levels.
Read More about U.S. and Eighth District Banks Face Challenges but Are on Solid Footing