2025 Regulatory Summit

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Chart 3: Community Bank Data Processing Expenses Attributed to Compliance

25%

20%

15%

10%

5%

Differences between smallest and largest asset-size quartiles are based on t-tests with statistical significance level of * p < 0.10, ** p < 0.05, or *** p < 0.01.

0% Data Processing Expenses Attributed to Compliance (%)

2015*** 2016*** 2017*** 2018*** 2019*** 2020*** 2021*** 2022*** 2023*** 2024***

Smallest Quartile

Second Quartile

Third Quartile

Largest Quartile

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Chart 4: Community Bank Legal Expenses Attributed to Compliance

35%

30%

25%

20%

15%

10%

5%

Legal Expenses Attributed to Compliance (%)

Differences between smallest and largest asset-size quartiles are based on t-tests with statistical significance level of * p < 0.10, ** p < 0.05, or *** p < 0.01.

0%

2015

2016 2017*** 2018

2019

2020

2021

2022

2023

2024

Smallest Quartile

Second Quartile

Third Quartile

Largest Quartile