Community Banking Resources

The majority of banks headquartered in the Federal Reserve’s Eighth District are considered community banks, meaning they have $10 billion or fewer in total assets. A summary of Eighth District banking institutions by charter type can be found on our District Highlights page.

Community banks are a critical component of the U.S. financial system and economy. They meet a diverse array of consumer and commercial credit needs and are important partners in the economic stability of their communities.

Over the years, community banks have successfully adapted to changing consumer and business preferences and challenges in local and national economies.

The Federal Reserve System and the Federal Reserve Bank of St. Louis conduct several programs and offer resources to assist community bankers and to help enhance public awareness of this important business sector. These include:

  • The Community Banking in the 21st Century research and policy conference: an annual community bank research and policy conference co-sponsored by the Federal Reserve and the Conference of State Bank Supervisors.*
  • Banking Insights: A community banking-focused publication produced by the Banking Supervision and Regulation division of the Federal Reserve Bank of St. Louis.
  • Community Banking Connections: The Federal Reserve System’s Quarterly Magazine highlighting supervisory and regulatory matters of interest to community banks.
  • Agricultural Finance Monitor: A quarterly survey of agricultural credit conditions in the Federal Reserve’s Eighth District.
  • Bank Director’s Desktop: The Federal Reserve System's free online training curriculum designed to allow bank directors to quickly develop an understanding of their role in performing bank oversight responsibilities.
    • The Community Depository Institutions Advisory Council: A 12 member council of executives from smaller financial institutions headquartered in the Eighth District. The council meets twice a year to advise St. Louis Fed President James Bullard on the credit, banking and economic conditions facing their institutions and their communities. The chair of each District Bank's council also has the responsibility of reporting twice yearly to the Federal Reserve Board of Governors in Washington, D.C.


*In 2013, the Federal Reserve Bank of St. Louis was selected as the host site for an annual research and policy conference on community banking. The Community Banking in the 21st Century conference, co-sponsored by the Federal Reserve System and the Conference of State Bank Supervisors, takes place every fall, and attracts academics and policymakers from across the globe.

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