There has been much discussion lately about the flattening of the yield curve. Some economists and analysts believe that the yield curve could invert in 2018. Much of this discussion has been focused on trading strategies and the relationship between the shape of the yield curve and the strength of the economy. However, the flattening of the yield curve has real consequences for community banks and their loan portfolios. If the yield curve does continue to flatten in 2018, the dominant loan structure for community banks will be challenged.