The prediction is framed as a multi‑year structural claim (“over the coming years” community banks will not be put out of business or broadly wiped out by stablecoins). As of Nov. 30, 2025, only a little over four months have elapsed since the July 19, 2025 episode, so the intended time horizon has clearly not played out.

What we can see so far:

• Community banks remain a major part of the U.S. system and are still described in 2025 policy discussions as providing the majority of small‑business and agricultural lending, i.e., they have not been broadly wiped out or rendered insignificant in the short term.​(icba.org)
• An empirical study by Charles River Associates (commissioned by Coinbase) using 2019–2025 data finds no material impact of USDC stablecoin adoption on community‑bank deposits under current and near‑term adoption levels, with even aggressive scenarios implying only single‑digit percentage impacts on deposits.​(crai.com)
• Coinbase and other industry analyses likewise argue that, at current and projected scales, stablecoins are unlikely to meaningfully erode community‑bank funding, though they advocate for partnerships and guardrails.​(cointelegraph.com)

At the same time, regulators and policy groups continue to warn that future large‑scale, yield‑bearing or non‑bank stablecoins could trigger major deposit outflows and consolidation that would fall hardest on community banks, underscoring that the long‑run outcome is unresolved.​(icba.org)

Because the claim is explicitly about what will happen over the coming years and the system is still in the early phase of adaptation to the GENIUS Act and expanding stablecoin use, there has not yet been enough time to judge whether community banks will ultimately avoid being substantially displaced. Early evidence is consistent with the prediction, but it does not yet settle the long‑term question. Hence the result is inconclusive (too early to tell).