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Author:DiSalvo, James 

Journal Article
The Rise in Loan-to-Deposit Ratios: Is 80 the New 60?

Liquidity ratios at small banks have climbed in recent decades. Why has this happened? Should regulators be concerned? A traditional signal that a bank may not have enough liquid assets to cover a sudden loss of funding has increased dramatically at small banks in recent decades. Small banks? median ratio of the value of their loans outstanding to the value of their deposits has risen from around 60 percent in the second half of the 1980s to around 80 percent today. Meanwhile, the same measure of liquidity has increased about 5 percentage points at large banks. How can we explain this big ...
Economic Insights , Volume 2 , Issue 3 , Pages 18-23

Journal Article
Banking Trends: Is Small-Business Lending Local?

Although large banks dominate the market for small-business loans, a local presence still matters
Banking Trends , Volume 6 , Issue 3 , Pages 18-24

Journal Article
Banking trends: how our region differs

Small banks headquartered in the tristate area differ from small banks in other regions of the country in some puzzling ways. What regional market forces are bankers here responding to? James DiSalvo and Ryan Johnston narrow down the possibilities.
Business Review , Issue Q3 , Pages 16-22

Working Paper
Conduct in a banking duopoly

Working Papers , Paper 91-12

Journal Article
Banking Trends: Why Don't Philly Banks Make More Local CRE Loans?

Nationally, local banks do a large share of commercial real estate lending, but this isn’t true in Philadelphia. We take a trip through the geography, history, and data of this unusual banking market.
Banking Trends , Volume 5 , Issue 3 , Pages 27-32

Journal Article
Banking Trends: Skin in the Game in the CMBS Market

Issuers of commercial mortgage-backed securities must now retain a portion on their own books. What evidence is there that the rule will reduce risky lending?
Economic Insights , Volume 3 , Issue 1 , Pages 11-17

Journal Article
Banking Trends: Why Banks Finance Their Nonbank Competitors

The explosive growth in nonbank financial institutions seems to have come at the expense of banks, but a closer look reveals otherwise.
Economic Insights , Volume 9 , Issue 3 , Pages 15-21

Journal Article
Banking Trends: Why Banks Finance Their Nonbank Competitors

The explosive growth in nonbank financial institutions seems to have come at the expense of banks, but a closer look reveals otherwise.
Banking Trends

Journal Article
Credit Unions’ Expanding Footprint, Is there any evidence new rules could cause small banks to lose market share to credit unions?

One of the main banking stories of the past 25 years has been the dramatic growth of large banks. Less well known is that credit unions have been expanding their market share during this time, too, especially after membership criteria were relaxed in 1998. While credit unions have been increasing their market share, small banks? market share has declined. And now, legal changes that took effect in January 2017 expanded credit unions? capacity to make loans to commercial customers, raising further concern among small banks that they might lose ground to credit unions
Banking Trends , Issue Q1 , Pages 17-23

Journal Article
How Dodd–Frank affects small bank costs

Do stricter regulations enacted since the financial crisis pose a significant burden?
Banking Trends , Issue Q1 , Pages 1-6

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