CSBS Community Bank Sentiment, Profitability Index
CBSIPR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
144.80
Year-over-Year Change
43.64%
Date Range
4/1/2019 - 4/1/2025
Summary
The CSBS Community Bank Sentiment, Profitability Index tracks the financial health and outlook of smaller, local financial institutions across the United States. This metric provides critical insights into regional banking performance and economic resilience at the community level.
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 index reflects the perceived profitability, operational challenges, and business confidence of community banks, which play a crucial role in local economic development and small business lending. Economists and policymakers use it as a nuanced indicator of regional economic conditions beyond broader national banking metrics.
Methodology
The index is compiled through quarterly surveys of community bank executives, capturing their perspectives on current and anticipated financial performance.
Historical Context
Policymakers and financial regulators use this index to understand localized economic trends and potential systemic risks in the banking sector.
Key Facts
- Represents smaller, local financial institutions' economic outlook
- Provides granular insights into regional banking performance
- Quarterly survey-based metric with forward-looking indicators
FAQs
Q: What makes community bank sentiment important?
A: Community banks are critical for local economic development and small business lending. Their sentiment reflects grassroots economic conditions often missed by national indicators.
Q: How frequently is the CBSIPR updated?
A: The index is typically updated quarterly, providing a current snapshot of community bank perspectives and financial expectations.
Q: Who compiles the CSBS Community Bank Sentiment Index?
A: The Conference of State Bank Supervisors (CSBS) conducts the survey, collecting data directly from community bank executives across different regions.
Q: How can investors use this index?
A: Investors can use the index as a leading indicator of regional economic health and potential investment opportunities in local banking and economic sectors.
Q: What are the limitations of this index?
A: The index represents sentiment and expectations, which may not always perfectly correlate with actual financial performance. It should be used alongside other economic indicators.
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Citation
U.S. Federal Reserve, CSBS Community Bank Sentiment, Profitability Index [CBSIPR], retrieved from FRED.
Last Checked: 8/1/2025