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Journal Article
Banking Trends: Where Depositors Fear to Tread
What should policymakers do when depositors flee banks? Edison Yu shows that much depends on how banks create liquidity.
Journal Article
Banking Trends: Is Small-Business Lending Local?
Although large banks dominate the market for small-business loans, a local presence still matters
Journal Article
Measuring Cov-Lite Right
More business loans today lack traditional covenants governing borrowers. Does that leave banks with fewer tools to ward off default?
Journal Article
Banking Trends: How and Why Bank Capital Ratios Change Over the Business Cycle
Small-bank and large-bank capital ratios behave quite differently. To under-stand the difference, look at the data.
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.
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.
Journal Article
Banking Trends Regulatory Changes and Community Banks During COVID
Small banks that received capital relief appear to have been more resilient.
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
Journal Article
How Dodd–Frank affects small bank costs
Do stricter regulations enacted since the financial crisis pose a significant burden?
Journal Article
How Our Region Differs
The banking industry has undergone a sea change in the last 30 years. Regulatory changes and technological advances have led to dramatic increases in the size and market share of large banks, while banks have shifted their activities notably away from commercial lending toward real estate lending. While these broad trends are true of banks in the Third District served by the Federal Reserve Bank of Philadelphia, our regional banking market also differs in some interesting ways. Our small regional banks are larger and concentrate much more heavily on residential real estate lending and less on ...