Accessible Version

Accessible Version

Figure 1: Number of Community Banks

Number of banks

Year Total Urban Rural
1997 10221 4766 5455
1998 9786 4529 5257
1999 9545 4486 5059
2000 9289 4412 4877
2001 9069 4336 4733
2002 8849 4242 4607
2003 8681 4159 4522
2004 8479 4057 4422
2005 8315 4006 4309
2006 8185 3995 4190
2007 8062 3989 4073
2008 7926 3962 3964
2009 7687 3804 3883
2010 7380 3613 3767
2011 7128 3456 3672
2012 6860 3285 3575
2013 6590 3120 3470
2014 6295 2954 3341
2015 5985 2770 3215
2016 5695 2619 3076
2017 5455 2482 2973

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 2: Average Size of Community Banks

Average assets (millions of dollars)

Year Urban Rural
1997 294.29 86.96
1998 302.37 95.99
1999 309.68 97.96
2000 322.13 105.48
2001 348.40 115.43
2002 366.75 125.29
2003 393.37 130.79
2004 416.88 138.74
2005 443.43 147.87
2006 463.80 160.94
2007 479.96 170.91
2008 495.19 187.30
2009 508.61 196.50
2010 522.56 201.18
2011 547.47 207.72
2012 577.86 217.06
2013 600.50 224.30
2014 653.20 237.70
2015 730.09 251.56
2016 794.77 264.22
2017 843.37 269.88

Note: Assets are in 2005 dollars.

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 3: Average Number of Offices per Community Bank

Number of offices

Year Urban Rural
1997 5.55 2.76
1998 5.47 2.87
1999 5.63 2.98
2000 5.61 3.10
2001 5.82 3.29
2002 5.99 3.43
2003 6.19 3.51
2004 6.38 3.59
2005 6.67 3.68
2006 6.88 3.85
2007 6.99 4.04
2008 7.14 4.27
2009 7.40 4.42
2010 7.70 4.50
2011 8.01 4.46
2012 8.26 4.47
2013 8.45 4.55
2014 8.74 4.65
2015 9.17 4.78
2016 9.48 4.95
2017 9.49 4.91

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 4: Total Deposits at Community Banks

Billions of dollars

Year Urban Rural
1997 1084.64 395.14
1998 1055.89 419.69
1999 1042.13 406.43
2000 1069.57 418.97
2001 1127.97 446.22
2002 1173.27 467.11
2003 1231.00 477.75
2004 1269.24 492.97
2005 1360.62 513.13
2006 1422.19 545.26
2007 1441.83 557.47
2008 1488.37 592.33
2009 1521.94 624.94
2010 1501.64 627.34
2011 1519.25 633.69
2012 1535.51 648.29
2013 1511.05 650.91
2014 1550.93 659.66
2015 1621.09 670.91
2016 1676.92 675.54
2017 1681.63 669.65

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 5: Total Loans at Community Banks

Billions of dollars

Year Urban Rural
1997 876.17 295.19
1998 844.41 311.04
1999 881.89 315.23
2000 923.34 336.42
2001 965.04 351.43
2002 972.66 369.90
2003 1030.87 376.97
2004 1113.76 402.15
2005 1199.38 426.92
2006 1277.75 458.85
2007 1346.51 477.53
2008 1386.73 512.87
2009 1298.46 506.20
2010 1223.93 483.82
2011 1200.78 466.33
2012 1213.63 464.81
2013 1228.29 478.38
2014 1306.19 495.81
2015 1399.10 516.65
2016 1467.53 532.17
2017 1497.12 534.28

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 6: Average Community Bank Return on Assets

Return on assets

Year Urban Rural
1997 0.009943 0.011271
1998 0.009222 0.010724
1999 0.008356 0.010492
2000 0.008203 0.010487
2001 0.007616 0.009597
2002 0.008721 0.010679
2003 0.008777 0.010481
2004 0.008677 0.010677
2005 0.009096 0.010895
2006 0.008303 0.010497
2007 0.005782 0.009839
2008 -0.001364 0.006974
2009 -0.004692 0.004485
2010 -0.000728 0.006252
2011 0.002639 0.007590
2012 0.005490 0.008659
2013 0.006543 0.008738
2014 0.007175 0.009233
2015 0.007883 0.009481
2016 0.008242 0.009584
2017 0.007800 0.009473

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 7: Average Community Bank Return on Equity

Return on equity

Year Urban Rural
1997 0.105952 0.110936
1998 0.099827 0.106312
1999 0.095648 0.109156
2000 0.090868 0.104326
2001 0.083499 0.096201
2002 0.092034 0.103489
2003 0.093089 0.102367
2004 0.090919 0.104646
2005 0.096123 0.107795
2006 0.086281 0.103019
2007 0.062331 0.094557
2008 -0.012428 0.064577
2009 -0.077901 0.033738
2010 -0.031934 0.050054
2011 0.009098 0.063804
2012 0.045940 0.077256
2013 0.059453 0.082280
2014 0.065053 0.083741
2015 0.071463 0.085489
2016 0.075969 0.086877
2017 0.071479 0.084528

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 8: Average Community Bank Charge-off Ratio

Charge-offs/loans

Year Urban Rural
1997 0.002037 0.002150
1998 0.002009 0.002245
1999 0.001697 0.002182
2000 0.001741 0.002191
2001 0.002227 0.002891
2002 0.002280 0.003050
2003 0.002104 0.002738
2004 0.001590 0.002181
2005 0.001259 0.001733
2006 0.001215 0.001534
2007 0.001906 0.002115
2008 0.005480 0.003848
2009 0.011537 0.007171
2010 0.011171 0.006602
2011 0.008627 0.005264
2012 0.005858 0.003760
2013 0.003407 0.002562
2014 0.002031 0.001792
2015 0.001257 0.001367
2016 0.001128 0.001502
2017 0.001097 0.001462

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.

Figure 9: Average Number of Banks in Urban Markets

Number of banks

Year All Banks Community Banks Large Banks
1997 26.42 20.75 5.67
1998 25.98 20.14 5.84
1999 26.83 20.44 6.38
2000 27.00 20.52 6.48
2001 27.35 20.79 6.56
2002 27.40 20.77 6.62
2003 27.63 20.75 6.88
2004 27.45 20.55 6.90
2005 28.04 20.73 7.31
2006 28.37 21.23 7.14
2007 29.29 21.65 7.64
2008 29.67 22.21 7.46
2009 29.13 22.03 7.10
2010 28.93 21.63 7.30
2011 28.49 21.14 7.35
2012 28.26 20.62 7.65
2013 27.73 20.00 7.73
2014 27.23 19.52 7.71
2015 26.56 18.95 7.61
2016 26.49 18.62 7.88
2017 26.08 17.92 8.15

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 10: Average Number of Banks in Rural Markets

Number of banks

Year All Banks Community Banks Large Banks
1997 4.95 4.03 0.92
1998 5.00 3.99 1.01
1999 5.11 4.01 1.11
2000 5.09 3.91 1.18
2001 5.18 4.05 1.13
2002 5.28 4.08 1.20
2003 5.24 4.11 1.14
2004 5.25 4.08 1.17
2005 5.36 4.11 1.26
2006 5.32 4.14 1.18
2007 5.46 4.16 1.30
2008 5.52 4.20 1.32
2009 5.51 4.22 1.29
2010 5.56 4.22 1.34
2011 5.52 4.18 1.34
2012 5.53 4.16 1.37
2013 5.50 4.11 1.39
2014 5.42 4.04 1.38
2015 5.35 4.03 1.32
2016 5.36 4.03 1.33
2017 5.30 3.92 1.38

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 11: Average Number of Bank Offices in Urban Markets

Number of offices

Year All Banks Community Banks Large Banks
1997 167.86 79.55 88.31
1998 168.88 75.74 93.15
1999 172.96 76.73 96.23
2000 177.59 76.42 101.18
2001 178.02 77.53 100.49
2002 183.01 78.43 104.58
2003 186.31 79.12 107.19
2004 188.42 79.69 108.72
2005 201.25 81.38 119.88
2006 200.70 84.12 116.58
2007 209.86 85.69 124.17
2008 212.10 87.83 124.27
2009 212.25 88.01 124.25
2010 219.11 86.44 132.67
2011 218.14 84.88 133.25
2012 217.81 82.48 135.32
2013 215.35 80.45 134.91
2014 212.57 79.03 133.55
2015 207.34 77.49 129.85
2016 206.46 75.44 131.02
2017 201.90 71.14 130.76

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 12: Average Number of Bank Offices in Rural Markets

Number of offices

Year All Banks Community Banks Large Banks
1997 9.04 7.10 1.94
1998 9.01 6.90 2.11
1999 9.23 6.98 2.25
2000 9.26 6.82 2.44
2001 9.43 7.09 2.34
2002 9.61 7.16 2.45
2003 9.54 7.24 2.30
2004 9.54 7.22 2.32
2005 9.79 7.33 2.46
2006 9.70 7.43 2.27
2007 10.00 7.50 2.50
2008 10.14 7.59 2.55
2009 10.11 7.61 2.50
2010 10.14 7.60 2.55
2011 10.04 7.49 2.55
2012 9.97 7.41 2.56
2013 9.84 7.27 2.58
2014 9.65 7.13 2.52
2015 9.48 7.07 2.40
2016 9.46 7.04 2.42
2017 9.28 6.80 2.48

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 13: Average Share of Market Deposits Held by Community Banks

Market share

Year Urban Rural
1997 0.4867 0.7990
1998 0.4629 0.7929
1999 0.4508 0.7838
2000 0.4328 0.7654
2001 0.4457 0.7802
2002 0.4430 0.7741
2003 0.4527 0.7956
2004 0.4523 0.7882
2005 0.4285 0.7819
2006 0.4478 0.7954
2007 0.4313 0.7814
2008 0.4271 0.7796
2009 0.4334 0.7879
2010 0.4263 0.7894
2011 0.4172 0.7908
2012 0.4051 0.7886
2013 0.3942 0.7835
2014 0.3932 0.7803
2015 0.3913 0.7843
2016 0.3828 0.7829
2017 0.3700 0.7719

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 14: Average Market Share per Community Bank

Market share

Year Urban Rural
1997 0.0235 0.1958
1998 0.0230 0.1964
1999 0.0221 0.1933
2000 0.0211 0.1931
2001 0.0214 0.1905
2002 0.0213 0.1878
2003 0.0218 0.1915
2004 0.0220 0.1908
2005 0.0207 0.1882
2006 0.0211 0.1898
2007 0.0199 0.1857
2008 0.0192 0.1836
2009 0.0197 0.1848
2010 0.0197 0.1849
2011 0.0197 0.1867
2012 0.0197 0.1874
2013 0.0197 0.1888
2014 0.0201 0.1903
2015 0.0206 0.1917
2016 0.0206 0.1916
2017 0.0206 0.1941

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 15: Average Number of Headquarters in Rural and Urban Markets

Number of headquarters

Year Urban Rural
1997 16.28 2.44
1998 15.48 2.34
1999 15.30 2.26
2000 14.99 2.18
2001 14.61 2.11
2002 14.27 2.06
2003 13.97 2.02
2004 13.62 1.97
2005 13.31 1.93
2006 13.22 1.88
2007 13.14 1.83
2008 13.04 1.77
2009 12.51 1.74
2010 11.77 1.69
2011 11.24 1.64
2012 10.29 1.56
2013 10.17 1.55
2014 9.64 1.49
2015 9.03 1.43
2016 8.53 1.38
2017 8.11 1.34

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Figure 16: Number of Markets with Zero Headquarters

Year Number of markets
1997 356
1998 381
1999 398
2000 420
2001 443
2002 458
2003 469
2004 488
2005 501
2006 530
2007 548
2008 565
2009 581
2010 605
2011 621
2012 653
2013 657
2014 680
2015 713
2016 735
2017 756

Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.

Last Update: October 04, 2018