The impact of the growth of large, multistate banking organizations on community bank profitability
By: by Gary Whalen.
Contributors: United States. Office of the Comptroller of the Currency.
Series: Economic and policy analysis working paper ;; 2001-5; Economic and policy analysis working paper (2000 : Online) ;; 2001-5.
Publisher: Office of the Comptroller of the Currency
Published: 2001
Place of publication: Washington, DC
Language: eng
Format: Electronic resource
Subjects: Community banks -- United States.; Bank holding companies -- United States.
Description: "Especially since the passage of the Riegle-Neal Act in 1994, community banks increasingly face large, multistate holding company (MSHC) rivals in the local markets in which they operate. These large MSHCs more often operate through interstate branches, rather than through the offices of a separate subsidiary headquartered in-state. Disagreement persists about the likely effects of this trend on community banks. If large absolute size, or an interstate branch form, confer competitive advantages, the profitability of community banks should be lower in markets where they face such rivals.On the other hand, a number of observers cite possibly offsetting advantages associated with small size, such as a greater ability to offer valued personal service. To date, virtually no empirical studies have focussed on this issue"--Office of the Comptroller of the Currency web site.
Notes: Includes bibliographical references.
Title from PDF file as viewed on 1/7/2005.
Also available in print.
System requirements: Adobe Acrobat Reader.
Mode of access: World Wide Web.