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Report
A Lender for Tough Times
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.
Journal Article
Bank performance stable but headwinds mounting
Journal Article
Redlining or red herring?
Journal Article
Eleventh District community banks outperform peers despite weaker credit quality
Eleventh District community banks will likely continue to outperform their nationwide peers in terms of profitability, given their larger share of noninterest-bearing deposits.
Journal Article
Texas multifamily housing yet to stabilize; downside risks remain
A fair amount of excess supply remains in some markets, and new properties are facing longer lease-up timelines.
Community Banks Play Important Role for Rural Eleventh District Communities
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.
Journal Article
Risks mount for Eleventh District banks amid energy weakness
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.
Community banks key to health, resilience of Eleventh District economy
There are fewer community banks in the Eleventh Federal Reserve District than a decade ago. But those that remain are larger due to ongoing consolidation, and among banks domiciled in the district, community banks still represent the largest segment by assets.
Low oil prices, local impact: Do depressed energy markets affect banks?
Oil prices have swung dramatically in recent years, shaped by geopolitical conflicts, evolving global demand and shifting energy policies.
Minority Depository Institutions Have Vital Role Serving Vulnerable Communities
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.