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SC - Coverage Fact Sheet
Community Bank Presence in Contrast SOUTH CAROLINA Community Bank Branch Locations Community banks in SC represent 92% of rural* counties 90% of LMI* counties 93% of all SC counties In...
SD - Coverage Fact Sheet
Community Bank Presence in Contrast SOUTH DAKOTA Community Bank Branch Locations Community banks in SD represent 93% of rural* counties 82% of LMI* counties 95% of all SD counties In...
TN - Coverage Fact Sheet
Community Bank Presence in Contrast TENNESSEE Community Bank Branch Locations Community banks in TN represent 100% of rural* counties 100% of LMI* counties 100% of all TN counties In...
TX - Coverage Fact Sheet
Community Bank Presence in Contrast TEXAS Community Bank Branch Locations Community banks in TX represent 97% of rural* counties 99% of LMI* counties 98% of all TX counties In many...
UT - Coverage Fact Sheet
Community Bank Presence in Contrast UTAH Community Bank Branch Locations Community banks in UT represent 62% of rural* counties 80% of LMI* counties 76% of all UT counties In many...
VA - Coverage Fact Sheet
Community Bank Presence in Contrast VIRGINIA Community Bank Branch Locations Community banks in VA represent 100% of rural* counties 98% of LMI* counties 97% of all VA counties In many...
VT - Coverage Fact Sheet
Community Bank Presence in Contrast VERMONT Community Bank Branch Locations Community banks in VT represent 100% of rural* counties 100% of LMI* counties 100% of all VT counties In...
WA - Coverage Fact Sheet
Community Bank Presence in Contrast WASHINGTON Community Bank Branch Locations Community banks in WA represent 100% of rural* counties 100% of LMI* counties 100% of all WA counties In...
WI - Coverage Fact Sheet
Community Bank Presence in Contrast WISCONSIN Community Bank Branch Locations Community banks in WI represent 100% of rural* counties 100% of LMI* counties 100% of all WI counties In...
WV - Coverage Fact Sheet
Community Bank Presence in Contrast WEST VIRGINIA Community Bank Branch Locations Community banks in WV represent 100% of rural* counties 100% of LMI* counties 100% of all WV counties ...
WY - Coverage Fact Sheet
Community Bank Presence in Contrast WYOMING Community Bank Branch Locations Community banks in WY represent 100% of rural* counties 100% of LMI* counties 100% of all WY counties In...
AK - Coverage Fact Sheet
Community Bank Presence in Contrast ALASKA Community Bank Branch Locations Community banks in AK represent 52% of rural* counties 38% of LMI* counties 60% of all AK counties In many...
AL - Coverage Fact Sheet
Community Bank Presence in Contrast ALABAMA Community Bank Branch Locations Community banks in AL represent 100% of rural* counties 98% of LMI* counties 99% of all AL counties In many...
Digital Payments Transformation Workbook
Digital Payments Transformation Workbook 1 TABLE OF CONTENTS Your Digital Payments Transformation Journey ............................................................................2 ...
Digital Payments Strategy Whitepaper
Digital Transformation The Payments Business Model Table of Contents Executive Summary...
ICBA-Amicus-Curiae-Brief-Final.pdf
No. 25-229 In the Supreme Court of the United States ————————————— EMIGRANT MORTGAGE COMPANY, INC. ET AL., Petitioners, v. JEAN ROBERT SAINT-JEAN, ET AL., Respondents. ————————————— ...
ICBA Letter Urging Extension of National Flood Insurance Program
September 25, 2025 The Honorable John Thune The Honorable Charles Schumer Majority Leader Minority Leader U.S. Senate U.S. Senate Washington, D.C. 20510 Washington, D.C....
State Association Letter to Treasury Regarding ACRE Implementation
September 26, 2025 The Honorable Scott Bessent Secretary U.S. Department of the Treasury 1500 Pennsylvania Avenue Washington, D.C. 20220 Dear Secretary Bessent: On behalf of...
Comment Letter on FDIC Threshold Adjustment Proposal
September 26, 2025 Ms. Jennifer M. Jones Deputy Executive Secretary Attention: Comments—RIN 3064-AG15 Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Re:...
Producer Assistance Letter to President Trump - Final
October 6, 2025 President Donald J. Trump The White House 1600 Pennsylvania Avenue NW Washington, DC 20500 Dear President Trump, The undersigned organizations, which...
Letter in Response to RFI on Detecting Illicit Activity Involving Digital Assets
Submitted electronically via Federal eRulemaking Portal October 17, 2025 Julie Lascar Director, Office of Strategic Policy, Terrorist Financing, and Financial Crimes U.S. Department...
Letter on Reducing the 30/10 Spread
1 The Honorable Scott Bessent Secretary, Department of the Treasury 1500 Pennsylvania Avenue NW Washington, DC 20220 The Honorable William Pulte Director, Federal Housing...
ICBA Comment on FDIC Sign NPRM
October 20, 2025 Via Electronic Submission Ms. Jennifer M. Jones Deputy Executive Secretary Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Re: FDIC...
Letter to Administration on AI Regulatory Reform
October 27, 2025 Submitted electronically via Federal Register Office of Science and Technology Policy Executive Office of the President 1650 Pennsylvania Ave NW Washington, DC 20502 ...
Letter in Support of Travis Hill for FDIC Chairman
October 28, 2025 The Honorable Tim Scott The Honorable Elizabeth Warren Chairman Ranking Member Committee on Banking, Housing, Committee on Banking, Housing, & Urban Affairs &...
Statement-for-the-Record-for-Hearing-on-FinCEN.pdf
September 9, 2025 The Financial Crimes Enforcement Network: Recommendations for Better Coordinated and More Effective Policies and Enforcement The Independent Community Bankers of...
Statement-for-the-Record-for-Hearing-on-Deposit-Insurance-Reform.pdf
icba.org | info@icba.org | 866-843-4222 1 Deposit Insurance Reform: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across...
community-bank-statement-for-genius-act-markup.pdf
March 12, 2025 Community Bank Statement for GENIUS Act Markup The Independent Community Bankers of America, representing community banks across the nation with nearly 45,000 locations,...
Mutual Capital Principles Position Paper
Core Principles for Mutual Capital Instruments Regulatory Objectives • Establish a consistent and efficient framework for mutual banks to raise CET1 or Tier 1 capital. • Ensure uniform...
Legislative Update - Farm Bill (Updated October 2025)
October 2025 A Strong Farm Bill Supports a Strong Rural America Developing a new farm bill presents an opportunity to address many needs facing rural America and farmers and ranchers. A...
Regulatory Update - 1071 (Updated October 2025)
October 2025 ICBA Regulatory Update: Section 1071 – Small Business Loan Data Collection Topic/Issue: Section 1071 Agency: CFPB Status: Final rule issued. Compliance dates are...
Regulatory Update - Fraud (Updated October 2025)
October 2025 ICBA Regulatory Update: Fraud Topic/Issue: Fraud Agencies: OCC, FDIC, FRB, CFPB, FinCEN Status: Community banks and their customers have been increasingly challenged by...
ACRE BRIEF
September 2025 Status of ACRE Implementation What is ACRE? • The Access to Credit for our Rural Economy Act (ACRE) is a long-standing priority of ICBA which was included in the One...
9.30.25 Debanking Letter
U.S. SMALL BUSINESS ADMINISTRATION OFFICE OF GENERAL COUNSEL WASHINGTON, DC 20416 On August 7, 2025, President Donald J. Trump issued the Executive Order 14331,...
Prohibiting Interest on Reserves Harms the Economy and Disrupts Credit Markets
-1- Prohibiting Interest on Reserves Harms the Economy and Disrupts Credit Markets Sept. 16, 2025 Congress and the Federal Reserve allowed payment of interest on bank reserves kept at...
Regulatory Update - Credit Unions (Updated October 2025)
October 2025 ICBA Regulatory Update: Credit Unions Topic/Issue: Holding Credit Unions Accountable Agency: NCUA Status: Ongoing ICBA Position: • Credit union...
Legislative Update - Stablecoins (Updated October 2025)
October 2025 Digital Assets and Community Banks What’s at Stake Digital assets of all kinds, including stablecoins, create a risk of disintermediating community banks by competing...
Regulatory Update - Deposit Insurance (Updated October 2025)
October 2025 ICBA Regulatory Update: Deposit Insurance Topic/Issue: Deposit Insurance Reforms, Deposit Insurance Assessments Agency: FDIC Background and Status: I. Base Deposit...
AZ - Coverage Fact Sheet
*LMI (low-to-moderate income) counties are defined as counties where at least 25 percent of the population lives at or below 150 percent of the federal poverty level. icba.org of all bank ...
AR - Coverage Fact Sheet
Community Bank Presence in Contrast ARKANSAS Community Bank Branch Locations Community banks in AR represent 100% of rural* counties 100% of LMI* counties 100% of all AR counties In...
DC - Coverage Fact Sheet
Community Bank Presence in Contrast DISTRICT OF COLUMBIA Community banks in DC represent of all bank branches in the state. DC is comprised of… Metric Community Banks Credit Unions Large ...
CA - Coverage Fact Sheet
Community Bank Presence in Contrast CALIFORNIA Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports, US...
VA - Coverage Fact Sheet
Community Bank Presence in Contrast VIRGINIA Community Bank Branch Locations Community banks in VA represent 100% of rural* counties 98% of LMI* counties 97% of all VA counties In many...
NH - Coverage Fact Sheet
Community Bank Presence in Contrast NEW HAMPSHIRE Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports,...
OH - Coverage Fact Sheet
Community Bank Presence in Contrast OHIO Community Bank Branch Locations Community banks in OH represent 100% of rural* counties 100% of LMI* counties 100% of all OH counties In many...
CT - Coverage Fact Sheet
Community Bank Presence in Contrast CONNECTICUT Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports,...
DE - Coverage Fact Sheet
Community Bank Presence in Contrast DELAWARE Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports, US...
FL - Coverage Fact Sheet
Community Bank Presence in Contrast FLORIDA Community Bank Branch Locations Community banks in FL represent 100% of rural* counties 100% of LMI* counties 100% of all FL counties In...
GA - Coverage Fact Sheet
Community Bank Presence in Contrast GEORGIA Community Bank Branch Locations Community banks in GA represent 98% of rural* counties 96% of LMI* counties 97% of all GA counties In many...
RI - Coverage Fact Sheet
icba.org Community Bank Presence in Contrast RHODE ISLAND Community Bank Branch Locations Community banks in RI represent 100% of all RI counties Community banks average 22 branches per...
IN - Coverage Fact Sheet
Community Bank Presence in Contrast INDIANA Community Bank Branch Locations Community banks in IN represent 100% of rural* counties 100% of LMI* counties 100% of all IN counties In...
MD - Coverage Fact Sheet
Community banks in MD represent 100% of rural* counties 100% of LMI* counties 100% of all MD counties *Rural counties are classified as non-core areas under the U.S. Census Bureau’s ...
NM - Coverage Fact Sheet
Community Bank Presence in Contrast NEW MEXICO Community Bank Branch Locations Community banks in NM represent 100% of rural* counties 100% of LMI* counties 100% of all NM counties In...
ID - Coverage Fact Sheet
Community Bank Presence in Contrast IDAHO Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports, US...
MA - Coverage Fact Sheet
Community Bank Presence in Contrast MASSACHUSETTS Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports,...
MN - Coverage Fact Sheet
Community Bank Presence in Contrast MINNESOTA Community Bank Branch Locations Community banks in MN represent 100% of rural* counties 100% of LMI* counties 100% of all MN counties In...
NE - Coverage Fact Sheet
Community Bank Presence in Contrast NEBRASKA Community Bank Branch Locations Community banks in NE represent 97% of rural* counties 100% of LMI* counties 98% of all NE counties In many...
IA - Coverage Fact Sheet
Community Bank Presence in Contrast IOWA Community Bank Branch Locations Community banks in IA represent 100% of rural* counties 100% of LMI* counties 100% of all IA counties In many...
VT - Coverage Fact Sheet
Community Bank Presence in Contrast VERMONT Community Bank Branch Locations Community banks in VT represent 100% of rural* counties 100% of LMI* counties 100% of all VT counties In...
MT - Coverage Fact Sheet
Community Bank Presence in Contrast MONTANA Community Bank Branch Locations Community banks in MT represent 95% of rural* counties 94% of LMI* counties 96% of all MT counties In many...