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Community Banking Initiative

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FDIC Targeted Community Banking Research

As part of the overall Community Banking Study, the FDIC conducted targeted research about specific issues and questions related to community banks.

Community Bank Efficiency and Economies of Scale - This paper examines efficiency ratio trends to identify the underlying reasons for the performance game between community and noncommunitybanks. The paper also estimates the importance of economies of scale among community banks.

What Factors Explain Differences in Return on Assets Among Community Banks? - This paper controls for underlying economic conditions to identify bank-specific factors that affect community bank performance.