Most community banks stayed out of insurance distribution this year, despite their larger competitors' massive participation.

Nearly nine out of 10 banks with more than $10 billion of assets are distributing general lines of insurance products, but the ratio drops to about four of 10 banks with less than $1 billion of assets, according to a study released by the Association of Banks-In-Insurance in Washington. Moreover, community banks have made little progress toward increasing their participation in the market since 1999.

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