According to CoinMeta, Blockchain Association refutes the claims by large banks that stablecoins are causing a loss of community bank deposits, and cites FDIC data indicating that large banks are actually the main cause of deposit outflows. FDIC data shows that non-community banks hold 87% of domestic US deposits, while community banks account for only 13%. From the third quarter of 2025 to the first quarter of 2026, US bank deposits increased by $92.2 billion, $318.3 billion, and $389.7 billion respectively. CRA International analysis indicates that there is no statistically significant association between the growth of stablecoins and the outflow of community bank deposits; the impact is less than 1%. Blockchain Association recommends that Congress pay attention to the trend of funds concentrating in large banks, rather than the stablecoin market, which is worth about $300 billion.