Review of CSBS Annual Survey of Community Banks for 2025

The Conference of State Bank Supervisors (CSBS) has released their annual survey of Community Banks. Some of the reports’ key findings include community banker optimism is up, net interest margins, core deposit growth, cost of technology, and cost of funds are the main concerns. Regulatory burden fell from 1st to 6th in this year’s survey. Community banks feel that other regional banks are their primary competitors, but nonbank institutions are gaining. A link to the survey is included below.

Link: 2025CBSurvey_web_CSBS.pdf