The Quiet Spread: What Transaction Data Reveals About the Stablecoin Impact on Community Bank Deposits and Lending

Key Findings

An analysis of transaction data across 92 community banks shows overlap between community bank and crypto customers, with nine out of ten have customers actively transacting with Coinbase. Among the 53 banks where we could determine transaction direction, for every dollar that came back from Coinbase, $2.77 left. If these patterns hold nationally, over 3,500 of the nation’s roughly 3,950 community banks have active deposit pathways to crypto platforms — pathways that yield-bearing stablecoin products would exploit. Those deposits fund the majority of the nation’s small business loans and agricultural lending — credit that will be jeopardized once the deposits leave.

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The Quiet Spread: What Transaction Data Reveals About the Stablecoin Impact on Community Bank Deposits and Lending

Key Findings

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