A survey of community bankers by the Conference of State Bank Supervisors finds banks striving to adapt to new developments in technology and regulation at a time of steady growth. The report also contains insights gleaned from town hall discussions in 30 states. Bankers expressed concern about new qualified mortgage regulations but continue to issue residential mortgages, suggesting the rules may generally be in line with bank practices while still requiring significant changes in operations. Banks are now looking to expand primarily in technology, including mobile banking, online loan applications and remote deposits. Despite an improving economy and talk of merger opportunities, the survey found little actual or planned merger activity.