Community Banking Initiatives
Community banks play a vital role in the functioning of the U.S financial system and the broader economy, from lending to small business owners and farmers, to providing critical banking services in small towns and rural communities across the nation. As the lead federal regulator for community banks, the FDIC monitors industry trends and provides technical assistance in a variety of ways, including training videos, research, and workshops.
FDIC Technical Assistance Video Program
A series of educational videos designed to provide useful information to bank directors, officers and employees on areas of supervisory focus and regulatory changes. Loan Origination Compensation Technical Assistance videos added January 27, 2015.
Directors' Resource Center
Provides useful information, videos and resources for directors and officers of FDIC-insured institutions. The content of this page focuses on guidance and other information that address current issues faced by the banking industry, including the factors that contributed to the recent financial crisis and the lingering credit and other challenges that some institutions continue to face.
Community Banking Study
In the fall of 2011, the FDIC announced a number of initiatives focused on understanding of the evolution of community banks over the past 25 years and the challenges and opportunities faced by this segment of the banking industry. The initial results of the FDIC's Community Banking Initiative are detailed below.
FDIC Community Banking Study: The FDIC's Community Banking Study is a data-driven effort to identify and explore issues and questions about community banks. This study is intended to be foundational, providing a platform for future research and analysis by the FDIC and other interested parties.
Regional Roundtables: The FDIC's Board and senior management believe it is important to hear directly from community bankers, trade organizations and state supervisors regarding issues and concerns of community bankers operating in the current environment and the major challenges and opportunities affecting the community bank sector as a whole. Roundtable discussions were conducted in each of the FDIC's six supervisory regions across the country with community bankers, state banking commissioners, state bank trade association representatives, the FDIC's Acting Chairman, one other director from the FDIC's Board, and senior management from our supervision divisions.
Examination and Rulemaking Review: The FDIC has undertaken a review of its examination, rulemaking, and guidance processes during 2012 with a goal of identifying ways to make the supervisory process more efficient, consistent, and transparent. As a part of this process, we solicited feedback from supervisory staff in the Divisions of Risk Management Supervision and Depositor and Consumer Protection. In addition, we also received significant comments through the CBI Roundtables (discussed above), the FDIC Advisory Committee on Community Banking, post exam surveys and other outreach venues (including two ad hoc additional roundtables focused on compliance and consumer protection issues).
Community Bank Developments in 2012: This paper updates the FDIC Community Banking Study to reflect developments in the structure and performance of U.S. community banks through the end of 2012. It finds that while the community banking sector changed little in structural terms during the year, community banks showed continued improvement in financial performance following the disruptions associated with the recent financial crisis. Problem loans and failures declined among community banks in 2012, while their pretax profitability was the highest since 2007. While community banks hold just 14 percent of industry assets, they make up almost 95 percent of all U.S. banking organizations. The sector continues to hold nearly half of the industry's small loans to farms and businesses, as well as the majority of deposits in U.S. rural and micropolitan counties.
The Calendar alerts stakeholders to critical information as well as comment and compliance deadlines relating to changes in federal banking laws and regulations. The Calendar includes notices of proposed, interim/final rulemakings, and as guidance affecting insured financial institutions.
Community Bank Search
Find if your bank meets the definition of a community bank.
Quarterly Banking Profile
Fourth quarter 2014 comprehensive summary of financial results for all FDIC-insured institutions. Community banks performed better than a year ago, as loan growth and net interest income outpaced the industry as a whole.
Held on February 16, 2012, this conference brought together community bankers, regulators, academics, and various community bank stakeholders to examine the unique role community banks perform in our nation's economy and the challenges and opportunities that they face. Acting FDIC Chairman Gruenberg opened and closed the conference, which also featured keynote remarks by Shelley Moore Capito, United States Congresswoman for West Virginia's 2nd District; Ben S. Bernanke, Chairman, Board of Governors of the Federal Reserve System; and Thomas J. Curry, Comptroller of the Currency.