Federal Reserve Bank of St. Louis and O'Neill, Kathleen "Introductory Remarks at the 2023 Community Banking Research Conference : Transcript of Prepared Remarks." October 4, 2023, https://fraser.stlouisfed.org/title/8995/item/666804/content/pdf/ONeill-Paese-Remarks-Community-Banking-04-Oct-2023, accessed on December 19, 2024.