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How Our Region Differs

Author

Listed:
  • James DiSalvo
  • Ryan Johnston

Abstract

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 commercial lending than small banks in other regions around the nation do. Our region?s banking markets are also significantly more integrated ? that is, they face much more competition from banks headquartered outside the market ? than markets elsewhere. Why do banks in our region differ in these ways? What regional market forces are bankers here responding to? Before we narrow down the possibilities, it will help to understand the extent of these regional differences and how much the wider banking world has changed

Suggested Citation

  • James DiSalvo & Ryan Johnston, 2015. "How Our Region Differs," Banking Trends, Federal Reserve Bank of Philadelphia, issue Q3, pages 16-22.
    • Handle: RePEc:fip:fedpbt:00004
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    File URL: https://www.philadelphiafed.org/-/media/frbp/assets/economy/articles/business-review/2015/q3/bt-how_our_region_differs.pdf
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    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
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    Cited by:

    1. James DiSalvo & Ryan Johnston, 2016. "How Dodd–Frank affects small bank costs," Banking Trends, Federal Reserve Bank of Philadelphia, issue Q1, pages 1-6.
    2. Gerald A. Carlino, 2017. "Did the Fiscal Stimulus Work?," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 2(1), pages 6-16, January.
    3. James DiSalvo & Ryan Johnston, 2017. "The Rise in Loan-to-Deposit Ratios: Is 80 the New 60?," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 2(3), pages 18-23, July.
    4. Benjamin Lester, 2021. "When COVID-19 Reached the Corporate Bond Market," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 6(3), pages 2-9, September.
    5. James DiSalvo & Ryan Johnston, 2016. "Banking trends: how Dodd–Frank affects small bank costs," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 1(1), pages 14-18, January.
    6. Jeffrey Brinkman, 2017. "Making Sense of Urban Patterns," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 2(1), pages 1-5, January.
    7. Jonas E. Arias, 2021. "The Economic Effects of Changes in Personal Income Tax Rates," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 6(3), pages 10-17, September.
    8. James DiSalvo, 2021. "Banking Trends: Is Small-Business Lending Local?," Banking Trends, Federal Reserve Bank of Philadelphia, vol. 6(3), pages 18-24, September.
    9. James DiSalvo & Ryan Johnston, 2016. "Banking Trends: The Growing Role of CRE Lending," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 1(3), pages 15-21, July.
    10. James DiSalvo & Ryan Johnston, 2017. "BANKING TRENDS: Credit Unions’ Expanding Footprint," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 2(1), pages 17-25, January.
    11. James DiSalvo, 2021. "Banking Trends: Is Small-Business Lending Local?," Economic Insights, Federal Reserve Bank of Philadelphia, vol. 6(3), pages 18-24, September.
    12. James DiSalvo & Ryan Johnston, 2017. "Credit Unions’ Expanding Footprint, Is there any evidence new rules could cause small banks to lose market share to credit unions?," Banking Trends, Federal Reserve Bank of Philadelphia, issue Q1, pages 17-23.
    13. Feng, Guohua & Wang, Chuan, 2018. "Why European banks are less profitable than U.S. banks: A decomposition approach," Journal of Banking & Finance, Elsevier, vol. 90(C), pages 1-16.

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