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The evolution of U.S. bank branch networks: growth, consolidation, and strategy

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  • Beverly Hirtle
  • Christopher Metli

Abstract

Bank branches have become steadily more concentrated within large and midsized branch networks over the past decade. A look at branching trends between 2001 and 2003 reveals that banks with large networks grew slowly and strategically during this period as they adjusted their branch holdings within existing markets, while institutions with midsized branch networks expanded more aggressively.

Suggested Citation

  • Beverly Hirtle & Christopher Metli, 2004. "The evolution of U.S. bank branch networks: growth, consolidation, and strategy," Current Issues in Economics and Finance, Federal Reserve Bank of New York, vol. 10(Jul).
    • Handle: RePEc:fip:fednci:y:2004:i:jul:n:v.10no.8
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    References listed on IDEAS

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    1. Berger, Allen N. & Leusner, John H. & Mingo, John J., 1997. "The efficiency of bank branches," Journal of Monetary Economics, Elsevier, vol. 40(1), pages 141-162, September.
    2. Lawrence J. Radecki, 1999. "Banks' payments-driven revenues," Staff Reports 62, Federal Reserve Bank of New York.
    3. Lawrence J. Radecki, 1999. "Banks' payments-driven revenues," Economic Policy Review, Federal Reserve Bank of New York, vol. 5(Jul), pages 53-70.
    4. Daniel Orlow & Lawrence J. Radecki & John Wenninger, 1996. "Ongoing restructuring of retail banking," Research Paper 9634, Federal Reserve Bank of New York.
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    Citations

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    Cited by:

    1. Norman Baldwin & Stephen Borrelli, 2008. "Education and economic growth in the United States: cross-national applications for an intra-national path analysis," Policy Sciences, Springer;Society of Policy Sciences, vol. 41(3), pages 183-204, September.
    2. Hirtle, Beverly, 2007. "The impact of network size on bank branch performance," Journal of Banking & Finance, Elsevier, vol. 31(12), pages 3782-3805, December.
    3. International Monetary Fund, 2005. "Euro Area Policies; Selected Issues," IMF Staff Country Reports 05/266, International Monetary Fund.
    4. Hirtle, Beverly J. & Stiroh, Kevin J., 2007. "The return to retail and the performance of US banks," Journal of Banking & Finance, Elsevier, vol. 31(4), pages 1101-1133, April.
    5. Byoung-Min Kim & Richard Widdows & Tansel Yilmazer, 2005. "The determinants of consumers’ adoption of Internet banking," Conference Series ; [Proceedings], Federal Reserve Bank of Boston.

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    Keywords

    Branch banks;

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