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Changes in the structure of urban banking markets in the West

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  • Elizabeth Laderman

Abstract

This paper begins with a discussion of the influence of the number of firms and the variance of market shares on the Herfindahl-Hirschman Index (HHI) measure of market concentration. ; The paper then reports the changes in the number of depository institutions (DIs) and in the HHI in the Twelfth District and its 65 individual urban banking markets between 1982 and 1992, attributing these changes to underlying causes. I find that, although an increase in concentration need not accompany a decrease in firms, more than two-thirds of the 53 markets with DI decreases showed concentration increases. This suggests that regulatory review of DI mergers has been and will continue to be important in assuring the competitiveness of banking markets.

Suggested Citation

  • Elizabeth Laderman, 1995. "Changes in the structure of urban banking markets in the West," Economic Review, Federal Reserve Bank of San Francisco, pages 21-34.
    • Handle: RePEc:fip:fedfer:y:1995:p:21-34:n:1
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    File URL: http://www.frbsf.org/economic-research/publications/economic-review/1995/95-1_22-34.pdf
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    References listed on IDEAS

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    1. David G. Holdsworth, 1993. "Is consolidation compatible with competition? The New York and New Jersey experience," Research Paper 9306, Federal Reserve Bank of New York.
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    Cited by:

    1. Ana Kristel Lapid & Rogelio Mercado & Peter Rosenkranz, 2023. "Concentration in Asia's cross‐border banking: Determinants and impacts," Pacific Economic Review, Wiley Blackwell, vol. 28(2), pages 267-292, May.
    2. Dariusz Filip & Tomasz Miziołek, 2019. "Market Concentration in the Polish Investment Fund Industry," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 4, pages 53-78.
    3. Hung‐Hao Chang & Brian Lee, 2022. "The association between food outlet accessibility and market competition to household food expenditures: Empirical evidence from the convenience store industry in Taiwan," Agribusiness, John Wiley & Sons, Ltd., vol. 38(1), pages 134-153, January.
    4. Elizabeth Laderman, 2009. "Out-of-market small business loans," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue feb13.

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