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<p><span>Good morning. I appreciate the opportunity to be part of this symposium on "Banking on the Future," especially since the future of banking is one of the highest priorities in my work at the Board. Today, I will focus my remarks on the importance of community banks to our financial system and the challenges they face. In particular, I will focus on the formation of new banks and pose two key questions concerning the recent scarcity of these "de novo" banks.</span></p>

United statesMatt hanauerChris summersRobertm adamsJacobp gramlichStephanie ziadehMichellew bowmanBrent lytleFederal reserve bankCentury researchCommunity banksSmall business administration paycheck protection programFederal reserveCommunity banking studyCommunity bankingCommunity bank ongoing role