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ABA: The American Bankers Association
Industry Insight

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

  • Brought to you by KlariVis
  • Published February 23, 2026

An analysis of 225,000+ transactions across 92 community banks reveals a trend that should concern community banks and policymakers engaged in the CLARITY Act debate.
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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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KlariVis® is the only data analytics platform built by former community bank executives to help financial institutions turn their data into actionable insights. By consolidating and simplifying data from across the bank into interactive dashboards and reports, KlariVis empowers teams to make informed decisions that drive growth, efficiency, and customer impact. Built on a modern technology stack, KlariVis eliminates the need for manual reporting, allowing banks to focus on strategy, performance, and innovation.

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