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FDIC to Review Challenges Facing Community Banks

Posted on 10/28/2011

Acting FDIC Chairman Martin Gruenberg reiterated this week at the ABA Annual Convention the FDIC's intentions to review key challenges facing community banks such as raising capital, keeping up with technology, attracting quality personnel, and meeting regulatory obligations. He added that the agency will hold regional roundtables with community bankers to obtain their input on key issues. Gruenberg noted that while banks with assets under $1 billion represent less than 11 percent of banking assets, they provide nearly 40 percent of the loans the banking industry makes to small businesses, extending credit that is crucial to job creation. The FDIC is launching several initiatives intended to enhance its understanding of community banks' challenges and future opportunities by researching how community banks have evolved in the past two decades, including changes in their business models and cost structures.

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