Annual Survey of Community Banks
The CSBS Annual Survey of Community Banks provides community bankers with a unique opportunity to share your perspectives with state and federal policymakers. Now in its 12th year, the Annual Survey results offer valuable information on the community bank ecosystem and have been featured in Congressional hearings, industry publications, and academic papers. The 2025 survey results were presented at the Community Banking Research Conference, co-sponsored by CSBS, the Federal Reserve System, and the FDIC, on October 7-8.
Click below to view the 2025 survey results.
Key Findings
- Net interest margins were cited as the most important external risk facing community banks.
- Once again, cybersecurity has held the top spot among internal risks facing community banks.
- Most respondents indicated they would support changing the current deposit insurance framework.
- Bankers continue to report inflation-created challenges as persistent but manageable.
Additional Research
Research, Data & Tools
Annual Survey of Community Banks
The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.
View Annual Survey
Research, Data & Tools
CSBS Community Bank Case Study Competition
The Community Bank Case Study Competition, facilitated by the Conference of State Bank Supervisors (CSBS), is a nationwide academic competition for undergraduate students.
View Study Competition
