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Efficient banking under interstate branching

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Author Info

  • Joseph P. Hughes
  • William Lang
  • Loretta J. Mester
  • Choon-Geol Moon

Abstract

Nationally chartered banks will be allowed to branch across state lines beginning June 1, 1997. Whether they will depends on their assessment of the profitability of such a delivery system for their services and on their preferences regarding risk and return. The authors investigate the probable effect of interstate branching on banks' risk-return trade-off, accounting for the endogeneity of deposit volatility. If interstate branching improves the risk-return trade-off banks face, then banks that branch across state lines may choose a higher level of risk in return for higher profits. The authors find efficiency gains due to geographic diversity. Coauthors are William Lang, Loretta J. Mester, and Choon-Geol Moon. Copyright 1996 by Ohio State University Press.

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Bibliographic Info

Article provided by Board of Governors of the Federal Reserve System (U.S.) in its journal Proceedings.

Volume (Year): (1996)
Issue (Month): ()
Pages: 1045-1075

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Handle: RePEc:fip:fedgpr:y:1996:p:1045-1075

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Keywords: Payment systems;

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