About 20% of community banks could offer tokenized deposits and 17% could offer stablecoins in 12 months if planned launches proceed, according to the Conference of State Bank Supervisors' 2026 survey reported by Ledger Insights.
The survey also found 61.8% of community banks already piloting or using artificial intelligence, with another 17.6% planning to do so within two years, Ledger Insights reported. On a five-year horizon, 23% of respondents called tokenized deposits potential opportunities and 21% said the same of stablecoins.
Banks planning stablecoin offerings are far more likely to use their core service providers than to partner with stablecoin networks, according to the survey.
Community banks: planned crypto offerings lag AI adoption
Share of community banks, crypto figures are 12-month launch plans
Show as table
| Label | Value (%) |
|---|---|
| Tokenized deposits (planned, 12 mo) | 20% |
| Stablecoins (planned, 12 mo) | 17% |
| AI (piloting or using now) | 61.8% |
Reported by the Tokenization desk from Ledger Insights. Published . Corrections