The Past , Present , and Probable Future for Community Banks

  title={The Past , Present , and Probable Future for Community Banks},
  author={R Andrea Deyoung},
We review how deregulation, technological advance, and increased competitive rivalry have affected the size and health of the U.S. community banking sector and the quality and availability of banking products and services. We then develop a simple theoretical framework for analyzing how these changes have affected the competitive viability of community banks. Empirical evidence presented in this paper is consistent with the model’s prediction that regulatory and technological change has exposed… CONTINUE READING
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