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What do we know about regional banks? An exploratory analysis

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  • Lakshmi Balasubramanyan
  • Joseph G. Haubrich

Abstract

This study tries to get a sense of the topography of the regional banking landscape. We focus on bank holding companies and banks with $10 billion to $50 billion in assets and look for factors that potentially explain regional bank health from 2008 to 2013. Our dataset is a combination of bank Call Report data and confidential supervisory data. Our analysis shows that regional banks are not a monolithic group, and different factors explain bank safety and soundness for different types of banks.

Suggested Citation

  • Lakshmi Balasubramanyan & Joseph G. Haubrich, 2014. "What do we know about regional banks? An exploratory analysis," Working Papers (Old Series) 1316, Federal Reserve Bank of Cleveland.
    • Handle: RePEc:fip:fedcwp:1316
    DOI: 10.26509/frbc-wp-201316
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    References listed on IDEAS

    as
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    3. Haubrich, Joseph G & Thomson, James B, 1996. "Loan Sales, Implicit Contracts, and Bank Structure," Review of Quantitative Finance and Accounting, Springer, vol. 7(2), pages 137-162, September.
    4. Katherine A. Samolyk, 1992. "Bank performance and regional economic growth: evidence of a regional credit channel," Working Papers (Old Series) 9204, Federal Reserve Bank of Cleveland.
    5. Charles W. Calomiris & Joseph R. Mason, 2000. "Causes of U.S. Bank Distress During the Depression," NBER Working Papers 7919, National Bureau of Economic Research, Inc.
    6. John S. Jordan & Eric Rosengren, 2002. "Economic cycles and bank health," Conference Series ; [Proceedings], Federal Reserve Bank of Boston.
    7. Curry, Timothy J. & Fissel, Gary S. & Ramirez, Carlos D., 2008. "The impact of bank supervision on loan growth," The North American Journal of Economics and Finance, Elsevier, vol. 19(2), pages 113-134, August.
    8. Balasubramanyan, Lakshmi & Coulson, Edward, 2013. "Do house prices impact business starts?," Journal of Housing Economics, Elsevier, vol. 22(1), pages 36-44.
    9. Lynn D. Seballos & James B. Thomson, 1990. "Underlying causes of commercial bank failures in the 1980s," Economic Commentary, Federal Reserve Bank of Cleveland, issue Sep.
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    More about this item

    Keywords

    Regional Banking Organizations; Banks and Banking; Supervisory Ratings;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes

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