Journal Article
Geographic banking markets
Watro, Paul R. (1983-09)
A discussion of the fundamental differences between banking service and market areas, a review of methods used by regulatory agencies to define geographical markets, and comment on the findings of a 1981 banking-use survey of 528 small Ohio businesses.
Economic Commentary , Issue Sep

Journal Article
Do bank branches matter anymore?
Ergungor, O. Emre; Moulton, Stephanie (2011-08)
Bank branches have been disappearing in some major metropolitan areas, as their populations and economic activity decline. Our research suggests that brick-and-mortar branches provide tangible benefi ts to consumers, especially in low- and moderate-income neighborhoods. When branches are located in these areas, borrowers living there default less and have greater access to credit.
Economic Commentary , Issue Aug

Journal Article
Performance of Ohio's independent banks
Whalen, Gary (1982-06)
An analysis of independent bank performance from 1979-81 in meeting the challenge posed by economic, regulatory, and technological changes in the commercial banking marketplace.
Economic Commentary , Issue Jun

Journal Article
Deposit rates and local markets
Watro, Paul R. (1985-02)
An analysis of the effects of local market structure on deposit rates, using a sample of depository institutions in Ohio.
Economic Commentary , Issue Feb

Journal Article
Financial services and small businesses
Watro, Paul R. (1982-01)
A survey to determine the source of deposit and credit services to small commercial customers, using a sample of 368 Ohio firms with sales under $10 million.
Economic Commentary , Issue Jan

Journal Article
Interstate banking: its impact on Ohio banks
Buynak, Thomas M. (1985-09)
A discussion of Ohio's interstate banking legislation and its implications for banking in Ohio.
Economic Commentary , Issue Sep