CSBS Community Bank Sentiment, Regulatory Burden Index
CBSIRB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
113.60
Year-over-Year Change
486.93%
Date Range
4/1/2019 - 4/1/2025
Summary
The CSBS Community Bank Sentiment, Regulatory Burden Index tracks the perceived regulatory challenges faced by community banks in the United States. This metric provides critical insights into the regulatory environment's impact on smaller financial institutions' operational capabilities and strategic decision-making.
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
The index represents community banks' perspectives on regulatory compliance complexity and associated operational burdens. Economists and policymakers use this metric to understand the regulatory landscape's potential constraints on community banking sector performance and innovation.
Methodology
The data is collected through periodic surveys of community bank executives, assessing their perceptions of regulatory requirements and compliance challenges.
Historical Context
This index is used to inform potential regulatory reforms, assess banking sector health, and evaluate the impact of financial regulations on smaller financial institutions.
Key Facts
- Measures regulatory challenges for community banks
- Provides insights into banking sector operational constraints
- Helps policymakers understand regulatory impact on smaller financial institutions
FAQs
Q: What does the CBSIRB index measure?
A: The index measures community banks' perceptions of regulatory burden and compliance challenges. It reflects the complexity of regulatory requirements facing smaller financial institutions.
Q: Why is the CBSIRB index important?
A: The index helps policymakers and economists understand the regulatory environment's impact on community banks. It provides insights into potential barriers to banking sector efficiency and innovation.
Q: How is the CBSIRB index calculated?
A: The index is calculated through surveys of community bank executives, who assess the complexity and challenges of current regulatory requirements. It represents a qualitative measure of regulatory sentiment.
Q: How can the CBSIRB index inform policy decisions?
A: Policymakers can use the index to identify potential areas of regulatory reform that might reduce unnecessary burdens on community banks. It helps guide more targeted and effective financial regulation.
Q: How frequently is the CBSIRB index updated?
A: The index is typically updated periodically, reflecting changes in the regulatory landscape and community banks' perspectives. The exact update frequency can vary based on survey cycles.
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Citation
U.S. Federal Reserve, CSBS Community Bank Sentiment, Regulatory Burden Index [CBSIRB], retrieved from FRED.
Last Checked: 8/1/2025