Community bank

For other uses, see Community Bank (disambiguation).
Not to be confused with Community banking models.

A community bank is a depository institution that is typically locally owned and operated.[citation needed] Community banks tend to focus on the needs of the businesses and families where the bank holds branches and offices. Lending decisions are made by people who understand the local needs of families, businesses, and farmers.[citation needed] Employees often reside within the communities they serve.[citation needed]

In the United States, community banks are not clearly defined.[citation needed] Most agencies[who?] base this term on aggregate assets size with varying definitions such as less than $1 billion (Office of the Comptroller of the Currency) up to less than $10 billion (Federal Reserve Board and Government Accountability Office).[1] Beyond size (as measured by assets), the Federal Deposit Insurance Corporation (FDIC) imposes a number of additional requirements on institutions classified as community banks.[2] From 1985 to 2004 community banks comprised roughly 94% of all commercial banks in the United States, but the proportion of total national deposits held by Community Banks declined from about 25.89% of all U.S. deposits in 1985 to 13.55% of the U.S. deposits in 2003.[1][3][4] The decline in community banking prevalence in the United States has drawn the attention of economists and policymakers, some of whom have argue that community banks play an important role in macroeconomic stability.[5][6][7]

See also

References

  1. ^ "Appendix A: Study Definitions" (PDF). FDIC Community Banking Study 2020. Federal Deposit Insurance Corporation. 16 Dec 2020. Retrieved 6 June 2021.
  2. ^ Tim Critchfield; Tyler Davis; Lee Davison; Heather Gratton; George Hanc; Katherine Samolyk. (January 2005). "The Future of Banking in America Community Banks: Their Recent Past, Current Performance, and Future Prospects" (PDF). FDIC Banking Review (Volume 16, NO. 3). Federal Deposit Insurance Corporation (FDIC). Retrieved April 30, 2012.
  3. ^ Jones, Kenneth D.; Critchfield, Tim (January 2006). "Consolidation in the U.S. Banking Industry: Is the "Long, Strange Trip" About to End?". FDIC Banking Review (Vol. 17 No. 4). FDIC. Archived from the original on July 16, 2012. Retrieved April 30, 2012.
  4. ^ Luke Petach; Tessa Conroy; Stephan Weiler (May 2021). "It's a wonderful loan: local financial composition, community banks, and economic resilience". Journal of Banking and Finance. 126. Elsevier: 106077. doi:10.1016/j.jbankfin.2021.106077. S2CID 233917395. Retrieved June 8, 2021.
  5. ^ Allan Berger; Iftekhar Hasan; Leora Klapper (April 2004). "Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance". Journal of Financial Services Research. 25 (2/3). Springer: 169–202. doi:10.1023/B:FINA.0000020659.33510.b7. hdl:10986/18128. S2CID 189929482. Retrieved June 8, 2021.
  6. ^ "The State and Fate of Community Banking". www.hks.harvard.edu. Retrieved 2024-06-12.

Read other articles:

العلاقات الأرجنتينية المدغشقرية

العلاقات الأرجنتينية المدغشقرية الأرجنتين مدغشقر   الأرجنتين   مدغشقر تعديل مصدري - تعديل   العلاقات الأرجنتينية المدغشقرية هي العلاقات الثنائية التي تجمع بين الأرجنتين ومدغشقر.[1][2][3][4][5] مقارنة بين البلدين هذه مقارنة عامة ومرجعية للدول�...

 

 

العلاقات الجنوب سودانية الكيريباتية

العلاقات الجنوب سودانية الكيريباتية جنوب السودان كيريباتي   جنوب السودان   كيريباتي تعديل مصدري - تعديل   العلاقات الجنوب سودانية الكيريباتية هي العلاقات الثنائية التي تجمع بين جنوب السودان وكيريباتي.[1][2][3][4][5] مقارنة بين البلدين هذه مقا�...

 

 

Downtown Battle Mountain

2007 studio album by Dance Gavin DanceDowntown Battle MountainStudio album by Dance Gavin DanceReleasedMay 15, 2007RecordedJanuary–February 2007Genre Post-hardcore math rock[1] Length40:05LabelRiseProducerKris CrummettDance Gavin Dance chronology Whatever I Say Is Royal Ocean(2006) Downtown Battle Mountain(2007) Dance Gavin Dance(2008) Singles from Downtown Battle Mountain And I Told Them I Invented Times New RomanReleased: 2007 Lemon Meringue TieReleased: 2007 The Backwards...

Halford Mackinder

Halford MackinderHalford John MackinderLahir(1861-02-15)15 Februari 1861Gainsborough, InggrisMeninggal6 Maret 1947(1947-03-06) (umur 86)Kebangsaan United KingdomKarier ilmiahBidangGeography, Geopolitics, Geostrategy Halford John Mackinder (lahir pada tahun 1861) adalah seorang berkebangsaan Inggris yang mempunyai keahlian dalam bidang geografi, geopolitik, dan geostrategi.[1] Biografi Halford dilahirkan di Gainsborough, Lincolnshire, Inggris.[1] Ia adalah anak seora...

 

 

الأسرة الأنتيغونية

الأسرة الأنتيغونية الدولة مملكة مقدونيا  المؤسس أنتيغونوس الأول مونوفثالموس  نهاية الحكم 168 ق.م  تعديل مصدري - تعديل   الأسرة الأنتيغونيةقطع معدنية لـ أنتيغونوس الأول مونوفثالموس الأسرة الأنتيغونية (اليونانية:Δυναστεία των Αντιγονιδών) كانت سلالة ملوك هلنستية ...

 

 

Proactionary principle

This article has multiple issues. Please help improve it or discuss these issues on the talk page. (Learn how and when to remove these template messages) This article includes a list of general references, but it lacks sufficient corresponding inline citations. Please help to improve this article by introducing more precise citations. (December 2015) (Learn how and when to remove this template message) This article relies excessively on references to primary sources. Please improve this artic...

Embassy of Switzerland, Washington, D.C.

Diplomatic mission of the Swiss Confederation to the United States Embassy of Switzerland, Washington, D.C.LocationWashington, D.C.Address2900 Cathedral Avenue, N.W.Coordinates38°55′42″N 77°3′28″W / 38.92833°N 77.05778°W / 38.92833; -77.05778AmbassadorJacques Pitteloud The Embassy of Switzerland in Washington, D.C. (German: Schweizerische Botschaft in den Vereinigten Staaten, French: Ambassade de Suisse aux Etats-Unis d’Amérique, Italian: Ambasciata di S...

 

 

انتخابات الرئاسة الإكوادورية 1916

هذه المقالة يتيمة إذ تصل إليها مقالات أخرى قليلة جدًا. فضلًا، ساعد بإضافة وصلة إليها في مقالات متعلقة بها. (مارس 2019) انتخابات الرئاسة الإكوادورية 1916 1916 البلد الإكوادور التاريخ 1916  انتخابات الرئاسة الإكوادورية 1912  انتخابات الرئاسة الإكوادورية 1920  مرشحون ألفريدو باك�...

 

 

2019 World Weightlifting Championships – Women's 87 kg

2019 World Weightlifting ChampionshipsMenWomen55 kg45 kg61 kg49 kg67 kg55 kg73 kg59 kg81 kg64 kg89 kg71 kg96 kg76 kg102 kg81 kg109 kg87 kg+109 kg+87 kgvte Main article: 2019 World Weightlifting Championships The women's 87 kg competition at the 2019 World Weightlifting Championships was held from 24 to 26 September 2019.[1] Schedule Date Time Event 24 September 2019 22:30 Group C 25 September 2019 14:25 Group B 26 September 2019 20:25 Group A Medalists Event Gold Silver Bronze S...

Die Pratermizzi

1926 film Die PratermizziScene from a filmDirected byGustav UcickyWritten byWalter ReischProduced byAlexander KolowratStarringAnny OndraIgo SymNita NaldiCinematographyGustav UcickyEduard von BorsodyDistributed bySascha-FilmRelease date January 1927 (1927-01) Running time50 minutesCountryAustriaLanguageGerman Die Pratermizzi (literally, Mizzi of the Prater) is an Austrian silent drama film directed by Gustav Ucicky in 1926, released in January 1927, and starring Anny Ondra, Igo Sym a...

 

 

Connecticut Route 130

State highway in Fairfield County, Connecticut, US Route 130Map of Fairfield County in southwestern Connecticut with Route 130 highlighted in redRoute informationMaintained by CTDOTLength8.21 mi[1] (13.21 km)Existed1992–presentMajor junctionsWest end US 1 in FairfieldMajor intersections I-95 in BridgeportEast end I-95 / US 1 / Route 110 in Stratford LocationCountryUnited StatesStateConnecticutCountiesFairfield Highway system Con...

 

 

Большая гавайская древесница

† Большая гавайская древесница Научная классификация Домен:ЭукариотыЦарство:ЖивотныеПодцарство:ЭуметазоиБез ранга:Двусторонне-симметричныеБез ранга:ВторичноротыеТип:ХордовыеПодтип:ПозвоночныеИнфратип:ЧелюстноротыеНадкласс:ЧетвероногиеКлада:АмниотыКлада:За...

Coach Prime (TV series)

American documentary TV series Coach PrimeGenreSports documentaryStarringDeion SandersCountry of originUnited StatesOriginal languageEnglishNo. of seasons2No. of episodes10ProductionExecutive producers Michael Gleaton Constance Schwartz-Morini FredAnthony Smith Michael Strahan Production locationJackson, MSCinematographyGregory KerrickEditorJeff ToberProduction companies SMAC Entertainment Prime Video Sports Original releaseNetworkPrime VideoRelease2022 (2022) Coach Prime is an American ...

 

 

ジョアン・ドナート

この名前は、ポルトガル語圏の人名慣習に従っています。第一姓（母方の姓）はジ・オリヴェイラ、第二姓（父方の姓）はネトです。 ジョアン・ドナート 基本情報出生名 João Donato de Oliveira Neto生誕 (1934-08-17) 1934年8月17日 ブラジル アクレ州死没 (2023-07-17) 2023年7月17日（88歳没） ブラジル リオデジャネイロジャンル ポップスサンバ職業 ミュージシャン担当楽器 ボーカ�...

 

 

43e division d'infanterie (France)

Pour les articles homonymes, voir 43e division. 43e division d'infanterie Création 1913 Dissolution 1940 Pays France Branche Armée de terre Type Division d'infanterie Rôle Infanterie Guerres Première Guerre mondialeSeconde Guerre mondiale Batailles 1914 - Bataille de Sarrebourg1914 - Bataille de la Mortagne1914 - Bataille de la Marne(Bataille de Vitry)1914 - 1re Bataille d'Artois1914 - 1re Bataille d'Ypres1915 - 2e Bataille d'Artois1915 - 3e Bataille d'Artois1916 - Bataille de ...

Sweden at the 1984 Summer Olympics

Sporting event delegationSweden at the1984 Summer OlympicsIOC codeSWENOCSwedish Olympic CommitteeWebsitewww.sok.se (in Swedish and English)in Los AngelesCompetitors174 (131 men and 43 women) in 19 sportsFlag bearer Hans SvenssonMedalsRanked 16th Gold 2 Silver 11 Bronze 6 Total 19 Summer Olympics appearances (overview)189619001904190819121920192419281932193619481952195619601964196819721976198019841988199219962000200420082012201620202024Other related appearances1906 Intercalated Games...

 

 

Auchan

Auchan Retail International S.A.JenisPerusahaan swasta, SAIndustriEceranDidirikan1961; 63 tahun lalu (1961)Roubaix, PrancisPendiriGérard MulliezKantor pusatCroix, Lille Métropole, PrancisCabang4,084Wilayah operasiPrancis, Spanyol, Italia, Luksemburg, Portugal, Polandia, Rumania, Hungaria, Rusia, Ukraina, Tiongkok, Taiwan, Tajikistan, Uni Emirat ArabTokoh kunciEdgard Bonte (Ketua)ProdukHipermarket, pasar swalayan, toko kelontongPendapatan €50.986 juta (2018)[1]Laba operasi €...

 

 

Masjid Kota Iskandar

Masjid Kota IskandarAgamaAfiliasiIslam SunniLokasiLokasiKota Iskandar, Iskandar Puteri, Johor Bahru, Johor, MalaysiaKoordinat1°25′26.1″N 103°38′55.3″E / 1.423917°N 103.648694°E / 1.423917; 103.648694ArsitekturTipemasjid Masjid Kota Iskandar adalah sebuah masjid di Kota Iskandar, Iskandar Puteri, Distrik Johor Bahru, Johor, Malaysia.[1] Lihat pula Islam di Malaysia Rujukan ^ Kota Iskandar Mosque in Johor - Malaysia. Beautiful Mosque (dalam bahasa Ing...

Dick's Primal Burger

Restaurant in Portland, Oregon, U.S. Dick's Primal BurgerExterior of the restaurant in southeast Portland's Woodstock neighborhood, 2021Restaurant informationOwner(s)Richard SatnickCityPortlandStateOregonCountryUnited StatesCoordinates45°28′45″N 122°36′44″W / 45.4793°N 122.6123°W / 45.4793; -122.6123Websitedicksprimalburger.com Dick's Primal Burger is a restaurant in Portland, Oregon. Description The restaurant Dick's Primal Burger is located on Woodstock B...

 

 

Hassan Ferdos

Iranian weightlifter (1929–1997) Hassan FerdosFerdos (right) in 1960Personal informationBirth nameامير حسن فردوسBorn29 September 1929Died1997SportSportWeightlifting Medal record Representing  Iran World Weightlifting Championships 1951 Milan -67.5 kg Asian Games 1951 New Delhi -67.5 kg Amir Hassan Ferdos (29 September 1929 – 1997) was an Iranian lightweight weightlifter. In 1951 he won a gold medal at the Asian Games and a bronze at the world championships. Next year...