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Community banks: what is their future and why does it matter?

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  • Robert DeYoung
  • Robin G. Newberger

Abstract

The U.S. banking system has undergone a dramatic restructuring since the 1970s. One of the biggest changes is the reduced number and market share of community banks. The number of banks with less than $1 billion in assets ? a common definition of community bank ? has declined from approximately 14,000 in 1980 to about 7,000 today. Concurrently, the proportion of assets held by the ten largest bank holding companies increased from less than 25 percent to more than 75 percent, while community banks? share fell from about one third of the market to well under one fifth

Suggested Citation

  • Robert DeYoung & Robin G. Newberger, 2005. "Community banks: what is their future and why does it matter?," Profitwise, Federal Reserve Bank of Chicago, issue Mar, pages 9-11.
    • Handle: RePEc:fip:fedhpw:y:2005:i:mar:p:9-11
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    Keywords

    Community banks;

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