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An Examination of Entry and Competitive Performance in Rural Banking Markets

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  • Robert M. Feinberg
  • Kara M. Reynolds

Abstract

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.

Suggested Citation

  • Robert M. Feinberg & Kara M. Reynolds, 2010. "An Examination of Entry and Competitive Performance in Rural Banking Markets," Southern Economic Journal, John Wiley & Sons, vol. 76(3), pages 624-637, January.
    • Handle: RePEc:wly:soecon:v:76:y:2010:i:3:p:624-637
    DOI: 10.4284/sej.2010.76.3.624
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    Cited by:

    1. Paolo Coccorese & Alfonso Pellecchia, 2022. "Deregulation, Entry, and Competition in Local Banking Markets," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 61(2), pages 171-197, September.
    2. Rebecca Cleary & Lauren Chenarides, 2022. "Food retail profits, competition, and the Great Recession," Agribusiness, John Wiley & Sons, Ltd., vol. 38(3), pages 557-578, July.

    More about this item

    JEL classification:

    • L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms

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