Review of CSBS 2026 Annual Survey of Community Banks
This annual report from CSBS covers a wide range of information on community banks. The report focuses on external risks including inflation, internal risks including cybersecurity, technology costs, credit, staff retention, interest rate risk, AI, fraud, deposit retention, and consumer compliance. Net interest margin and core deposit growth continue to be top risks. Concerns around regulations continue to fall. Most bankers don’t see inflation easing until after 2028. The report then covers products and services, technology, competition, funding, regulatory compliance, and merger and…
The skinny
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