The performance of FDIC-identified community banks
研究了美国联邦存款保险公司（FDIC）2012年重新定义社区银行后，获得该身份的银行表现出更高的金融稳定性和更低的风险，贷款和存款结构在其中起中介作用。
In recognizing the uniqueness of their business model, the FDIC launched a new community bank definition in 2012 (reaffirmed in 2020) that changed its approach to identifying this bank group. This paper examines the impact of this re-defined community bank status on bank performance. Using a quasi-difference-in-differences approach, the study finds that banks that obtain the community bank status exhibit greater financial stability and lower risk, with lending and deposit structures mediating these effects. These findings offer new insights into a "warm glow" effect brought by the re-classification, affecting the performance of these institutions. By assigning the community bank status, the FDIC may have tapped into the social and emotional significance tied to the word "community" for various stakeholders.