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Scale Matters: Community Banks and Compliance Costs

Author

Listed:
  • Drew Dahl
  • Andrew P. Meyer
  • Michelle Clark Neely

Abstract

Research shows that complying with government regulations is more burdensome for smaller community banks than larger community banks. Despite spending proportionately more resources on compliance, the smaller banks do not perform as well as the larger ones, at least in one key metric.

Suggested Citation

  • Drew Dahl & Andrew P. Meyer & Michelle Clark Neely, 2016. "Scale Matters: Community Banks and Compliance Costs," The Regional Economist, Federal Reserve Bank of St. Louis, issue July.
  • Handle: RePEc:fip:fedlre:00120
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    Citations

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    Cited by:

    1. Raphael Auer, 2019. "Embedded supervision: how to build regulation into blockchain finance," BIS Working Papers 811, Bank for International Settlements.
    2. Pietro Alessandrini & Luca Papi, 2018. "L'impatto della "bolla regolamentare" sulle banche: alcune valutazioni," Mo.Fi.R. Working Papers 150, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    3. Douglas Arner & Raphael Auer & Jon Frost, 2020. "Stablecoins: potential, risks and regulation," BIS Working Papers 905, Bank for International Settlements.
    4. Bouyon, Sylvain, 2018. "Cost and Value in Banks: A model fit for the digital era?," ECRI Papers 13577, Centre for European Policy Studies.
    5. Dia, Enzo & VanHoose, David, 2018. "Fixed costs and capital regulation: Impacts on the structure of banking markets and aggregate loan quality," Journal of Financial Stability, Elsevier, vol. 36(C), pages 53-65.
    6. Alex Fayman & Su‐Jane Chen & Timothy Mayes, 2022. "Community banks versus non‐community banks: Post the Great Recession," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 51(2), July.

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