2025 Regulatory Summit

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Community Banker and Consumer Sentiment Diverging Since Mid-2024

110

140

CSBS Community Banker Sentiment

130

100

120

90

110

100

80

90

70

80

70

60

60

50

Consumer Sentiment Index (1966Q1 = 100)

University of Michigan Consumer Sentiment

50

Community Bank Sentiment Index (100 = Neutral Level)

40

40

Jun-19

Jun-20

Jun-21

Jun-22

Jun-23

Jun-24

Jun-25

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Sep-19

Sep-20

Sep-21

Sep-22

Sep-23

Sep-24

Dec-19

Dec-20

Dec-21

Dec-22

Dec-23

Dec-24

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