Serving the Eighth District
and the Nation

Annual Report 2025

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Advancing a Safe and Sound Banking System

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$377 billion

total assets of Eighth District banks supervised by the St. Louis Fed, representing 51% of all banking assets in the District.

437

bank, savings and loan, and financial holding companies supervised by the St. Louis Fed.

132

state member banks supervised by the St. Louis Fed.

 

The St. Louis Fed continued its efforts to promote a stable, efficient and competitive banking system in 2025.

Supervising District Financial Institutions

Our Supervision division worked to foster a safe and sound banking system in 2025 by examining and inspecting state member banks as well as bank holding companies, savings and loan holding companies, and financial holding companies across the Eighth District.

St. Louis Fed bank examiners assessed financial conditions, operations and credit risk management, and compliance with applicable regulations while supervising these institutions.

Two men are standing while two women are seated at a table looking at a laptop computer.

From left to right: Geoff Bullard, Lisa Lonero, Matt Mourning and Kloe Harris work together on the Supervision division’s consumer compliance team, among others, to evaluate banking organizations’ adherence to applicable regulations.

Outreach to Community Bankers

Supervision staff also engaged with community bankers, bank regulators and financial industry professionals throughout 2025 to discuss the latest supervisory developments, banking regulations and emerging trends affecting Eighth District financial institutions.

To support that outreach, the St. Louis Fed hosted Ask the Fed® webinars and events for bankers, bank directors and regulators featuring Federal Reserve experts and guest speakers. These events offered updates on specific economic sectors, cybersecurity, risk management and regulatory compliance.

21,000+

bankers and regulators participated in 10 Ask the Fed® webinars.

People in an auditorium listen to a presenter on the right side of the frame standing at a podium.

During the Community Banking Research Conference in October 2025, attendees joined live sessions on market competition, technology innovations and other topics.

Community Banking Research Conference

In October, the St. Louis Fed hosted the 13th annual Community Banking Research Conference. Co-sponsored by the Federal Reserve System, Conference of State Bank Supervisors (CSBS) and Federal Deposit Insurance Corp., the two-day event brought together nearly 2,000 attendees to discuss the latest community banking research and trends.

Speakers included Federal Reserve Vice Chair of Supervision Michelle Bowman, Federal Reserve Gov. Michael Barr, FDIC Director of the Division of Insurance and Research Andrew Felton, and CSBS President and CEO Brandon Milhorn.

The Federal Reserve Bank of St. Louis has played an integral role in ensuring a safe and sound banking system in Mississippi. Through their training opportunities and awareness campaigns, the St. Louis Fed has helped foster a resilient financial system and a collaborative relationship with our department.
– Rhoshunda G. Kelly, commissioner, Mississippi Department of Banking and Consumer Finance
The St. Louis Fed has been a stable source to turn to in these uncertain financial times. The CDIAC [Community Depository Institutions Advisory Council] sessions bring current issues to the forefront and tap information from throughout the District. Bringing together different financial institution representatives gives all the participants a wider perspective.
– Sally Hopkins, member, CDIAC; and chairman and senior advisor, FNB Bank, in Mayfield, Ky.
My experience with the Federal Reserve Bank of St. Louis began with my term as a board member for the Little Rock Branch. I was also fortunate enough to serve a term on the St. Louis Fed’s CDIAC committee. In 2022, our bank converted to a state-chartered Fed member bank. I’ve found that the Fed is a firm but fair regulator that aligns with our philosophy of safety and soundness.
– Chuck Morgan, chairman and CEO, Relyance Bank, in Pine Bluff, Ark.

Currency Operations

The St. Louis Fed ensures high-quality, authentic currency circulates throughout the Eighth District, maintaining the integrity of cash used by banks, businesses and consumers. We also ensure there is an adequate supply of high-quality U.S. currency available to meet the needs of our customers daily.

948 million

currency notes inspected in 2025, with 147 million deemed unfit for future use and removed from circulation.

2,024

suspected counterfeit notes withdrawn from circulation.

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Engaging with the Communities We Serve

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