Report
A Lender for Tough Times
Klemme, Kelly; Gunther, Jeffery W. (2012)
Community banks are not only a major source of credit, but also a stable one for businesses. During the recent financial crisis and its aftermath, these smaller, traditional lenders provided credit to many firms, especially small businesses, when they needed it most.
Annual Report

Journal Article
Bank performance stable but headwinds mounting
Klemme, Kelly (2016)
Financial Insights , Volume 5 , Issue 1 , Pages 1-4

Journal Article
Redlining or red herring?
Robinson, Kenneth J.; Gunther, Jeffery W.; Klemme, Kelly (1999-05)
Southwest Economy , Issue May , Pages 8-13

Journal Article
Eleventh District community banks outperform peers despite weaker credit quality
Dunbar, Seth; Klemme, Kelly (2024-12-27)
Eleventh District community banks will likely continue to outperform their nationwide peers in terms of profitability, given their larger share of noninterest-bearing deposits.
Southwest Economy

Journal Article
Risks mount for Eleventh District banks amid energy weakness
Skelton, Edward C.; Klemme, Kelly (2016-04)
Relatively low energy prices have slowed economic expansion and diminished prospects for Eleventh District banks. Though regional institutions outperformed their peers nationally in 2015, loan growth slowed and profitability declined, leading to a guarded outlook for 2016.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Texas multifamily housing yet to stabilize; downside risks remain
Assanie, Laila; Garza, Lorenzo; Klemme, Kelly (2026-03-23)
A fair amount of excess supply remains in some markets, and new properties are facing longer lease-up timelines.
Southwest Economy

Community Banks Play Important Role for Rural Eleventh District Communities
Garcia, JR; Garza, Lorenzo; Klemme, Kelly (2026-03-20)
Many of the Eleventh District’s rural counties rely on community bank branches, particularly in Texas and Louisiana. These rural areas are important to the production and support of the cattle, agricultural and energy industries for the district, the U.S. and the world.
Dallas Fed Banking

Minority Depository Institutions Have Vital Role Serving Vulnerable Communities
Cetina, Jill; Klemme, Kelly; Perez, Michael (2022-02-01)
Minority depository institutions merit particular attention because of the unique role they play in nurturing economic activity in minority and low- and moderate-income communities.
Dallas Fed Economics

Journal Article
Robust regional banking sector faces new economic hurdles
Skelton, Edward C.; Klemme, Kelly (2015-04)
Profitability held steady at Eleventh District banks in 2014 as they continued outperforming their counterparts nationwide. However, rising interest rates and lower oil prices have emerged as potential tests for the region?s institutions.
Southwest Economy , Issue Q2 , Pages 3-7

Journal Article
Eleventh District Banks Confront Challenging Energy, Rate Situation
Klemme, Kelly; Skelton, Edward C. (2017-04)
Regional banks continue to navigate through the reality of depressed, though stable, energy prices. The institutions? performance slipped behind that of their counterparts nationally in 2016.
Southwest Economy , Issue Q2 , Pages 7-11