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An Examination of Entry and Competitive Performance in Rural Banking Markets

  • Robert M. Feinberg


    (Department of Economics, American University, Washington, DC 20016-8029, USA)

  • Kara M. Reynolds


    (Department of Economics, American University, Washington, DC 20016-8029, USA)

This article explores the change in the level of competition in rural banking markets after the deregulation that occurred following passage of the Riegle-Neal Act of 1994. Using an empirical model that utilizes both the number of banks and the value of deposits in a cross-section of 278 rural markets, we decompose the impact of the entry of new banks into resulting changes in per capita demand and the costs/profits of local banks in 1994 and 2004. The results support the view that local banking markets have become more competitive since the mid-1990s.

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Article provided by Southern Economic Association in its journal Southern Economic Journal.

Volume (Year): 76 (2010)
Issue (Month): 3 (January)
Pages: 624-637

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Handle: RePEc:sej:ancoec:v:76:3:y:2010:p:624-637
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