Search Results
Working Paper
The efficiency of bank branches
Conference Paper
Under what circumstances do bank mergers improve efficiency?
Working Paper
Recent trends in the number and size of bank branches: an examination of likely determinants
In this paper, we examine the role of market characteristics in explaining the much discussed phenomenon of growth in the number of banking institution branches over time, and the much less discussed phenomenon of decline in the size of the average branch. We note first that substitution of bank branches in the US for thrift branches accounts for much of the sharp rise observed for bank branches over time. Using a panel data set that consists of over 2,000 markets observed from 1988 to 2004, we report a number of findings regarding the market characteristics that are associated with the ...
Working Paper
Bank branching
Conference Paper
Geographic deregulation of banking: an analysis of the impact
Journal Article
Do bank branches matter anymore?
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.