2020 Journal of Community Bank Studies

FIRST PLACE: Mississippi State University

Works Cited “History.” Cititzens National Bank , www.yourcnb.com/our-story/history/. Community Banking Research and Policy Conference. “CSBS 2019 National Survey of Community Banks.” Community Banking in the 21st Century , 2019. Web. Dahl, Drew, et al. “Compliance Costs, Economies of Scale and Compliance Performance:

Evidence from a Survey of Community Banks. Compliance Costs, Economies of Scale and Compliance Performance: Evidence from a Survey of Community Banks”, Division of Bank Supervision, Federal Reserve Bank of St. Louis, 2018. “Section 109 Host State Loan-To-Deposit Ratios.” www.fdic.gov, 2018, https://www.fdic.gov/news/news/press/2019/pr19041a.pdf. Accessed 11 May 2020

“Comparison Reports – Statistics on Depository Institutions (SDI).” www.fdic.gov “Commercial Banks in the U.S.” FRED , 21 Feb. 2020, fred.stlouisfed.org/series/USNUM. “Nearly 1/3 of Millennials Use Venmo to Pay For Drugs.” LendEDU , 6 Apr. 2020, lendedu.com/blog/nearly-third-millennials-used-venmo-pay-drugs/. McDonnell, Archie. Personal interview. 21 Feb. 2020. Menard, Kelly. Personal interview. 21 Feb. 2020. Stringer, Jeremy. Personal interview. 21 Feb. 2020. United States, Congress, Financial Crimes Enforcement Network (FinCEN). “Interagency

Statement on Sharing Bank Secrecy Act Resources.” Interagency Statement on Sharing Bank Secrecy Act Resources , 2018. https://www.fincen.gov/news/news-releases/interagency-statement-sharing-bank-secre- cy-act-resources.

“Financial Crime Management Solutions for Financial Institutions.” Verafin , verafin.com.

23