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• 1/6/2026

As of Sept. 30, 2025, U.S. banks have reversed a nine-quarter decline in unfunded commercial real estate (CRE) commitments with a second quarter of growth. Unfunded commitments represent the off-balance-sheet credit exposure related to the remaining dollar amount borrowers can borrow under a loan agreement that is expected to be funded in the future. For example, a borrower has a commercial construction loan agreement allowing them to borrow up to $1 million with a current borrowed balance of $200,000; the remaining $800,000 would represent the unfunded commitment.

• 12/16/2025

The behavior of depositors, the consequences of bank failures and the evolution of small business lending were the three key themes of the 2025 Community Banking Research Conference, held Oct. 7-8 at the St. Louis Fed. The annual conference—sponsored by the Federal Reserve System, the Conference of State Bank Supervisors (CSBS) and the Federal Deposit Insurance Corp. (FDIC)—spotlights emerging research on issues important to the community banking industry and features keynote addresses by leading community bankers and regulators. More than 1,300 academics, bankers and regulators participated in person or virtually.

• 9/18/2025

In the latest edition of Take Five with the St. Louis Fed, Senior Business Economist Kathleen Navin discusses Federal Open Market Committee’s (FOMC’s) September 17, 2025 policy statement, inflation, and her views on the economy.

• 6/20/2025

In the latest edition of Take Five with the St. Louis Fed, Senior Business Economist Kathleen Navin discusses Federal Open Market Committee’s (FOMC’s) June 18, 2025 policy statement, inflation, and her views on the economy.

• 5/20/2025

The Federal Reserve System has developed a Cybersecurity Resources for Community Banks document. The resource document is a compilation of publicly available cybersecurity content for community bankers. The document includes links to potential sources of information, cybersecurity self-assessment tools, supervisory letters, Federal Reserve produced materials, and law enforcement contact information.