A new study from Harvard’s Kennedy School of Business shows that the decline in community banks has accelerated since passage of the Dodd-Frank banking reforms in 2010. The study found that the share of banking assets controlled by community banks has declined by 12 percent since 2010 -- nearly double the rate of decline in the previous four years. But industry analysts have cautioned against attributing the trends exclusively to Dodd-Frank. About half of Dodd-Frank regulations still haven’t been implemented and numerous small-bank exemptions already apply. While the Harvard study cites accelerated decline between 2010 and 2014, it was only last year that community banks began facing tougher new mortgage regulations.