Community banks in the US are experiencing shrinking funding costs, suggesting an expansion in net interest margins. Despite this positive trend, tariffs pose challenges for earnings growth within the sector. As existing low-yielding assets mature, banks aim to reinvest in higher-yielding loans and securities. Experts estimate robust earnings growth in 2025 driven by these favorable conditions. However, banks must navigate the obstacles tariffs introduce to continue this momentum. Will these challenges hinder growth or stimulate innovative strategies in the banking sector?