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NJ - Coverage Fact Sheet

Community banks average 41 branches per county, and total to 859 branches statewide. *LMI (low-to-moderate income) counties are defined as counties where at least 25 percent of the population...

Oct 15, 2025

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CybersecurityAssessmentSummaryMay2017Update

INSERT YEAR HERE Contact Information: Jeremy Dalpiaz AVP, Cyber and Data Security Policy Jeremy.Dalpiaz@icba.org ICBA Summary of FFIEC Cybersecurity Assessment Tool (May 2017...

Aug 1, 2025

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Certification News Q4 2020

While many of us continue to work remotely, the BSA obligations to meet reporting, recording, and monitoring of suspicious activity persists. Below we are going to cover two hot topics of 2020....

Jul 31, 2025

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AML Reform NDAA Letter

June 27, 2020 The Honorable James Inhofe Chairman, U.S. Senate Committee on Armed Services 205 Russell Senate Office Building Washington, DC 20510 The Honorable Jack Reed Ranking Member,...

Aug 12, 2025

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WI-1

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Kansas-1

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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Florida-14

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ltr120415

December 4, 2015 The Honorable Jeb Hensarling The Honorable Maxine Waters Chairman Ranking Member Committee on Financial Services Committee on Financial Services U.S. House of...

Aug 1, 2025

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FL-22

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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cl011515

January 15, 2015 Alfred M. Pollard, General Counsel Attention: Comments/RIN 2590-AA73 Federal Housing Finance Agency 400 Seventh Street SW, Eighth Floor Washington, D.C. 20024 RE:...

Aug 1, 2025

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ICBA Letter to Request Senate Banking Hearing on NCUA

March 4, 2021 The Honorable Sherrod Brown The Honorable Patrick J. Toomey Chairman Ranking Member Committee on Banking, Housing, Committee on Banking, Housing, and Urban Affairs ...

Jul 31, 2025

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Assessing Credit Risk CRE Lending Oct 2022

Assessing Credit Risk in Commercial Real Estate Lending ICBA CREDIT SERIES WEBINAR INTRODUCTION S • 30 Plus Years in Banking • Lead Business Advisor at Alerus • Senior Credit Officer of...

Jul 31, 2025

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Protect and Enhance Crop Insurance

Crop Insurance – Vital to Rural America and Community Banks Seving Agriculture Protect & Enhance the Crop Insurance Program Background – Crop insurance is purchased by farmers and ranchers to...

Jul 31, 2025

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cl060916

June 9, 2016 The Honorable Mel Watt, Director Federal Housing Finance Agency 400 7th Street, SW Washington, D.C. 20219 Dear Director Watt: The recent earnings announcements from both...

Aug 1, 2025

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TX-15

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Virginia

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the...

Jul 31, 2025

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Capital Rules Letter to FHFA

1 December 1, 2022 Dear Director Thompson: We write with great concern, urging you to immediately issue an interim final rule that would modernize Federal...

Jul 31, 2025

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Texas-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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HI - SBA Fact Sheet

Community Bank Small Business Administration Lending HAWAII SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Oct 15, 2025

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ICBA Letter and Analysis on FCS Farm Bill Proposals

August 29, 2023 The Honorable Debbie Stabenow The Honorable John Boozman Chair Ranking Member Senate Agriculture Committee Senate Agriculture Committee The...

Jul 31, 2025

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Response to IOSCO DeFi Policy Recommendations

October 18, 2023 Via Electronic Submission General Secretariat International Organization of Securities Commissions (IOSCO) C/ Oquendo 12 28006 Madrid Spain RE: Public...

Jul 31, 2025

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ICBA Bancard Credit Program Benefits

1 OF 2 ICBA Bancard Credit Program Benefits ICBA Bancard and FIS have been partners for over thirty years, providing payment services to community banks. To maximize group program...

Jul 31, 2025

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ltr042815

The Honorable Fred Upton The Honorable Frank Pallone, Jr. Chairman Ranking Member Committee on Energy and...

Aug 1, 2025

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Virginia-8

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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ICBAResponsetotheFDICsProposedStatementofPolicyonBankMergers

June 18, 2024 James P. Sheesley Assistant Executive Secretary Attention: Comments – RIN: 3064-ZA31 Federal Deposit Insurance Corporation 550 17th Street NW, Washington, DC 20429 RE:...

Nov 7, 2025

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MI - SBA Fact Sheet

Community Bank Small Business Administration Lending MICHIGAN SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Oct 15, 2025

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ltr061115a

June 11, 2015 The Honorable Harold Rogers The Honorable Nita M. Lowey Chairman Ranking Member Committee on Appropriations Committee on Appropriations U.S. House of...

Aug 1, 2025

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Letter on ICBA Lame Duck Agenda

November 17, 2022 The Honorable Charles E. Schumer The Honorable Mitch McConnell Majority Leader Republican Leader U.S. Senate U.S. Senate Washington, D.C. 20510 ...

Jul 31, 2025

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NY-20

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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AL-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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18.06.13_TCPAltr

Via electronic submission June 13, 2018 Ms. Marlene H. Dortch Secretary Federal Communications Commission 445 12th Street, SW Washington, DC 20554 Re: Public Notice – Consumer and...

Aug 1, 2025

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CI Lending in Todays Market

C & I LENDING IN TODAYS MARKET WHAT YOU NEED TO KNOW AND HOW TO SET YOURSELF APART Brad Stevens Stevens Risk Management Making Banking Better Making Bankers Better INTRODUCTION Brad...

Jul 31, 2025

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CA - SBA Fact Sheet

Community Bank Small Business Administration Lending CALIFORNIA SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Nov 3, 2025

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GA-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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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...

Nov 3, 2025

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ICBA Farm Aid Letter to Congress Feb 10 2026 F.pdf

February 10, 2026 The Honorable John Thune The Honorable Chuck Schumer Majority Leader Minority Leader United States Senate United States Senate Washington, DC 20510 ...

Feb 10, 2026

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Joint Comment Letter on Payment Stablecoin Risks.pdf

1 May 22, 2026 The Honorable Jonathan V. Gould The Honorable Michelle W. Bowman Comptroller of the Currency Vice Chair for Supervision ...

May 22, 2026

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Long-Term Debt Requirements for Large Bank Holding Companies

January 3, 2024 Chief Counsel’s Office Office of the Comptroller of the Currency 400 7th Street SW Suite 3E-218 Washington, DC 20219 Ms. Ann E. Misback Secretary Board of...

Jul 31, 2025

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Wyoming

icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

May 13, 2026

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Us Minority Depositories Lead in loan and deposit growth

US minority depositories lead in loan, deposit growth but lag in profitability By Alex Graf and Ayesha Shahbaz Loan and deposit growth at US minority depository institutions exceeded the...

Jul 30, 2025

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test121713

On behalf of the Independent Community Bankers of America (ICBA) and the nearly 7,000 community banks we represent, thank you for convening this important hearing entitled “Protecting Small...

Aug 1, 2025

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ltr072413a

July 24, 2013 The Honorable Jerry Moran The Honorable Jon Tester United States Senate United States Senate Washington, D.C. 20510 Washington, DC 20510 The Honorable Mark Kirk ...

Aug 1, 2025

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Comments on Beneficial Rule.pdf

November 5, 2025 Bill Pulte Director U.S. Federal Housing 400 7th St. SW 10th Floor Washington, DC 20219 RE: U.S. Federal Housing Strategic Plan: Fiscal Years 2026-2030 ...

Nov 7, 2025

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Ohio-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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Consumer Cardholder Agreement

114131211109 TCM BANK, N.A. CARDHOLDER AGREEMENT Effective Date: March 31, 2026 This Cardholder Agreement (this “Agreement”), together with the other Cardholder Documents described below,...

Jul 24, 2025

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ltr091117

September 11, 2017 The Honorable John Thune The Honorable Ben Cardin United States Senate United States Senate Washington, D.C. 20510 Washington, D.C. 20510 The Honorable Pat Roberts ...

Aug 1, 2025

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Michigan-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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Joint Letter on SBA Affiliation and Loan Authorization Proposals

December 2, 2022 The Honorable Ben Cardin The Honorable Rand Paul Chairman Ranking Member Committee on Small Business & Entrepreneurship Committee on Small Business &...

Jul 31, 2025

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ICBA Statement for Senate Banking Hearing on Stablecoin 2-15-2022

www.icba.org/advocacy February 15, 2022 Enhanced Regulation of Digital Assets Will Promote Responsible Innovation The Independent Community Bankers of America, representing...

Jul 31, 2025

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cl020615

February 6, 2015 Submitted via email Ms. Maribel Bondoc Manager, ACH Network Rules NACHA - The Electronic Payments Association 2550 Wasser Terrace, Suite 400 Herndon, VA 20171 ...

Aug 1, 2025

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Joint Trades Letter EIDL Advances and PPP Forgiveness 10-19-2020

October 19, 2020 The Honorable Marco Rubio The Honorable Benjamin L. Cardin Chairman Ranking Member Committee on Small Business Committee on Small Business and Entrepreneurship ...

Jul 31, 2025

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Corporate Membership Application

MBR_2102A23 Yes! We want to be an ICBA Member—$6,000 (July-June) How did you hear about ICBA? Membership Contact To receive all information regarding membership including renewal notices,...

Aug 1, 2025

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Letter on LIBOR Transition Legislation

November 2, 2021 The Honorable Sherrod Brown The Honorable Patrick J. Toomey Chairman Ranking Member Committee on Banking, Housing, Committee on Banking, Housing, and Urban...

Jul 31, 2025

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test060916

On behalf of the more than 6,000 community banks represented by ICBA, we thank Chairman Huelskamp and Ranking Member Chu for convening today’s hearing entitled: “"Bearing the Burden:...

Aug 1, 2025

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Asset Threshold Relief Letter

December 22, 2021 The Honorable Jelena McWilliams Chairman Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 The Honorable Jerome Powell Chair Board of...

Jul 31, 2025

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OH-14

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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07192022_C&ILendinginToday'sMarket

Commercial and Industrial (C&I) Lending in Today’s Competitive Market 1 Author/Lecturer DAVID L. OSBURN, MBA, CCRA David Osburn is the founder of Osburn & Associates, LLC, a Business...

Jul 31, 2025

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Comment Letter on Banks Statutory Obligations under Section 1033.pdf

June 23, 2025 The Hon. Russell Vought Acting Director Consumer Financial Protection Bureau 1700 G St NW, Washington, DC 20552 RE: Banks’ Statutory Obligation to Provide Consumers Access...

Aug 12, 2025

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ltr021815

February 18, 2015 Committee on Banking, Housing, and Urban Affairs United States Senate Washington, D.C. 20510 Dear Banking Committee Member: On behalf of the more than 6,500 community...

Aug 1, 2025

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