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Nationwide branch banking and the presence of large banks in rural areas

  • R. Alton Gilbert

Relaxation of government restrictions on multi- office banking (interstate banking and branching by banks) in recent years has facilitated substantial consolidation of the banking industry in the United States. In this article, R. Alton Gilbert examines the impact of this consolidation on the presence of large banking organizations in rural banking markets. Changes in the presence of large banking organizations in rural areas depend on the history of state regulation of multioffice banking. In the states that have permitted statewide branching for many years, large organizations have had offices in most of the rural counties and accounted for large shares of local deposits in most of the rural counties since at least 1980. ; In contrast, the presence of large banking organizations in rural counties has increased substantially in recent years-in the states that relaxed their regulations of multioffice banking more recently-becoming more like those states that relaxed their regulation of multioffice banking many years ago. In almost all of the rural counties in the nation, however, relatively small banking organizations continue to hold large shares of local deposits. The evidence about the presence of large banking organizations in rural areas consistently supports the view that relatively small banks will continue to be major banking organizations in rural areas.

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Article provided by Federal Reserve Bank of St. Louis in its journal Review.

Volume (Year): (2000)
Issue (Month): May ()
Pages: 13-28

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Handle: RePEc:fip:fedlrv:y:2000:i:may:p:13-28:n:v.82no.3
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  1. Berger, Allen N. & Saunders, Anthony & Scalise, Joseph M. & Udell, Gregory F., 1998. "The effects of bank mergers and acquisitions on small business lending," Journal of Financial Economics, Elsevier, vol. 50(2), pages 187-229, November.
  2. Lawrence, David B. & Klugman, Marie R., 1991. "Interstate banking in rural markets: The evidence from the corn belt," Journal of Banking & Finance, Elsevier, vol. 15(6), pages 1081-1091, December.
  3. Featherstone, Allen M., 1995. "Post-Acquisition Performance Of Rural Banks," Proceedings: 1995 Regional Committee NC-207, October 16-17, 1995, Kansas City, Missouri 131520, Regional Research Committee NC-1014: Agricultural and Rural Finance Markets in Transition.
  4. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 20(2), pages 191-202, May.
  5. Jayaratne, Jith & Strahan, Philip E, 1996. "The Finance-Growth Nexus: Evidence from Bank Branch Deregulation," The Quarterly Journal of Economics, MIT Press, vol. 111(3), pages 639-70, August.
  6. Berger, Allen N. & Demsetz, Rebecca S. & Strahan, Philip E., 1999. "The consolidation of the financial services industry: Causes, consequences, and implications for the future," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 135-194, February.
  7. R. Alton Gilbert, 1997. "Implications of banking consolidation for the financing of rural America," Proceedings – Rural and Agricultural Conferences, Federal Reserve Bank of Kansas City, issue Apr, pages 131-140.
  8. William R. Keeton, 1996. "Do bank mergers reduce lending to businesses and farmers? New evidence from Tenth District states," Economic Review, Federal Reserve Bank of Kansas City, issue Q III, pages 63-75.
  9. Jeffery W. Gunther, 1997. "Geographic liberalization and the accessibility of banking services in rural areas," Financial Industry Studies Working Paper 97-1, Federal Reserve Bank of Dallas.
  10. David L. Neff & Paul N. Ellinger, 1996. "Participants in Rural Bank Consolidations," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 78(3), pages 721-727.
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