
This article summarizes the findings of a recent study that discusses the factors that most influence community bank net interest income and the extent to which these factors are contributing to the current low levels of net interest income [1]. Additionally, the article examines whether net interest income (since the crisis and recession began) is abnormal relative to historical experience. The results of the study suggest the lack of recovery in community bank net interest income seven years after the start of the financial crisis and recession is not unusual given economic and banking conditions.