Journal Article
Determinants of De Novo Bank Formation
Myers, Forest; Jones, Stephen; Wilkinson, Jim (2026-05-14)
Technological changes appear to have primarily driven the recent decline in the formation of new banks.
Economic Review , Volume 111 , Issue 4 , Pages 27

Journal Article
Considering Bank Age and Performance for De Novo Status
Myers, Forest; Jones, Stephen; Wilkinson, Jim (2022-06-02)
Stephen Jones, Forest Myers, and Jim Wilkinson evaluate the appropriate length of the enhanced supervisory period by analyzing de novo bank financial performance over time. They find that the typical de novo bank’s financial performance differs substantially from that of established banks during their first three years; by the end of three years, the financial performance of de novo banks more closely resembles older and more mature banks. Their results suggest that the three-year enhanced supervisory period is likely appropriate for mitigating risk without excessively burdening new banks.
Economic Review , Volume 107 , Issue no.2

Journal Article
The changing influence of market structure on performance in rural banking markets 1985 through 2005.
Harvey, James; Myers, Forest (2008-01)
This study analyzes the impact of market concentration on the performance of banks in rural banking markets and attempts to determine if the influence of market concentration has changed over the last 20 years. It offers some evidence that the relationship between traditional measures of market concentration and bank performance may be changing, which may have implications for the application of antitrust policy in markets of this type.
Financial Industry Perspectives , Issue Jan

Journal Article
Bank profits in a changing environment
Spong, Kenneth; West, Robert Craig; Myers, Forest (1984)
Financial Industry Perspectives

Journal Article
Three decades of banking
Myers, Forest; Lemieux, Catharine (1991)
Financial Industry Perspectives

Journal Article
Banking conditions in the Tenth District
Myers, Forest (1987)
Financial Industry Perspectives

Journal Article
Community Reinvestment Act lending : is it profitable?
Myers, Forest; Meeker, Larry G. (1996-12)
In 1977, Congress passed the Community Reinvestment Act (CRA) to encourage federally insured depository institutions to lend in low- to moderate-income neighborhoods and to low- to moderate-income people. Since then, the profitability of the many special lending programs designed to achieve these goals has been questioned on both theoretical and practical grounds. ; The study examines the CRA loan profitability issue in the context of home mortgage lending. We surveyed 97 large institutions to explore profitability differences between their CRA and conventional home mortgage lending. ; ...
Financial Industry Perspectives , Issue Dec , Pages 13-35

Journal Article
New Community Reinvestment Act regulation : what have been the effects?
Myers, Forest; Johnsen, Terri (1996-12)
Effective January 1, 1996, the federal financial supervisory agencies (agencies) implemented their new Community Reinvestment Act (CRA) regulations. The new regulations currently apply to small institutions; they will apply to large institutions in 1997. ; In adopting their new regulations, the agencies sought to address complaints voiced by banks and the public about burden, relevancy, and consistency of CRA regulation under the agencies' old supervisory approach. To judge the new regulation's success in addressing these complaints, we surveyed 38 small Tenth District member banks examined ...
Financial Industry Perspectives , Issue Dec , Pages 1-11

Journal Article
Tenth District community banks : who is at risk?
Park, Jinwoo; Myers, Forest (1994-10)
The survey of community banks revealed that many Tenth District community bankers are concerned about their banks' ability to compete and succeed in the future. In light of these concerns, the authors looked at recent performance trends to see how District community banks have done and to determine if any are showing performance weaknesses. They found that Tenth District community banks, as a group, continue to perform well. However, they found that banks with total assets less than $25 million are losing performance ground. At particular risk in this group of banks are smaller banks located ...
Financial Industry Perspectives , Issue Oct , Pages 21-28

Journal Article
Tenth District banking conditions: 1987 - a year of transition
Myers, Forest (1988)
Financial Industry Perspectives