CSBS Community Bank Sentiment, Operations Expansion Index
CBSIOE • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
132.40
Year-over-Year Change
-1.10%
Date Range
4/1/2019 - 4/1/2025
Summary
The CSBS Community Bank Sentiment, Operations Expansion Index tracks the operational outlook and expansion plans of community banks across the United States. This index provides critical insights into small and regional banking sector confidence and potential economic growth trajectories.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator measures the sentiment and strategic intentions of community banks regarding business expansion, lending activities, and market expectations. Economists use the index as a leading indicator of regional economic health and potential small business lending trends.
Methodology
The index is compiled through quarterly surveys of community bank executives, capturing their perspectives on operational strategies, market conditions, and future business outlook.
Historical Context
Policymakers and financial regulators use this index to understand regional economic dynamics and potential shifts in small business lending environments.
Key Facts
- Represents sentiment of community banks with assets under $10 billion
- Provides quarterly insights into regional banking sector expectations
- Serves as a leading indicator of potential economic growth and lending activity
FAQs
Q: What does the CBSIOE measure?
A: The index measures community bank executives' sentiment about business expansion, lending, and market conditions. It captures their outlook on potential growth and operational strategies.
Q: Why is the Community Bank Sentiment Index important?
A: The index provides early signals about regional economic health and small business lending potential. It helps economists and policymakers understand emerging economic trends.
Q: How often is the CBSIOE updated?
A: The index is typically updated quarterly, reflecting the most recent survey responses from community bank executives across different regions.
Q: Who conducts the CBSIOE survey?
A: The Conference of State Bank Supervisors (CSBS) conducts the survey, collecting data from community bank executives nationwide.
Q: What are the limitations of this index?
A: The index represents sentiment and expectations, not actual economic performance. It provides a forward-looking perspective that may not always precisely predict future outcomes.
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Citation
U.S. Federal Reserve, CSBS Community Bank Sentiment, Operations Expansion Index [CBSIOE], retrieved from FRED.
Last Checked: 8/1/2025