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CSBS Community Bank Sentiment, Business Conditions Index (CBSIBC)

Observations

Q2 2026: 98.67841
Updated: Jul 14, 2026 10:39 AM CDT
Q2 2026:  98.67841  
Q1 2026:  98.42520  
Q4 2025:  98.78049  
Q3 2025:  97.65625  
Q2 2025:  91.20000  

Units:

Diffusion Index = 100,
Not Seasonally Adjusted

Frequency:

Quarterly

Fullscreen

Notes

Title Release Dates
CSBS Community Bank Sentiment, Business Conditions Index 2022-07-12 2026-07-14
 
Source    
Conference of State Bank Supervisors 2022-07-12 2026-07-14
 
Release    
Community Bank Sentiment Index 2022-07-12 2026-07-14
 
Units    
Diffusion Index = 100 2022-07-12 2026-07-14
 
Frequency    
Quarterly 2022-07-12 2026-07-14
 
Seasonal Adjustment    
Not Seasonally Adjusted 2022-07-12 2026-07-14
 
Notes    
The CSBS Community Bank Sentiment, Business Conditions Index captures on a quarterly basis what community bankers nationwide think about future business conditions over the next 12 months. The Business Conditions Index is one of seven indicators used to create the Community Bank Sentiment Index. Survey responses are used to calculate an index for each indicator. Each index is calculated by subtracting the percentage of respondents reporting a decrease from the percentage reporting an increase and then adding 100. When the share of community banks reporting an increase exceeds the share of community banks reporting a decrease, the index will be greater than 100, suggesting expansion and positive sentiment. If the share of community banks reporting a decrease exceeds the share reporting an increase, the index will be below 100, suggesting contraction and negative sentiment. An index will be 100 when the number of community banks reporting an increase is equal to the number of community banks reporting a decrease. For further information regarding the CSBS Community Bank Sentiment Index, visit: The CSBS website (https://www.csbs.org/cbindex)

Copyrighted: Citation required
These series are under copyright; but, provided you have not engaged in any prohibited uses, you may use these data series with proper attribution of the source and acknowledgment that you obtained the data from FRED (example, “Source: CSBS via FRED”) when displaying or publishing it.

2022-07-12 2026-07-14

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CSBS Community Bank Sentiment Index Conference Of State Bank Supervisors Community Business Sentiment Banks Depository Institutions Quarterly Indexes Copyrighted: Citation Required Nation United States of America Not Seasonally Adjusted