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Behind the ATM: Exploring the Structure of Bank Holding Companies

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Abstract

Many modern banking organizations are highly complex. A “bank” is often a larger structure made up of distinct entities, each subject to different regulatory, supervisory, and reporting requirements. For researchers and policymakers, understanding how these institutions are structured and how they have evolved over time is essential. In this post, we illustrate what a modern financial holding company looks like in practice, document how banks’ organizational structures have changed over time, and explain why these details matter for conducting accurate analyses of the financial system.

Suggested Citation

  • Lily Gordon & Lee Seltzer, 2026. "Behind the ATM: Exploring the Structure of Bank Holding Companies," Liberty Street Economics 20260331, Federal Reserve Bank of New York.
    • Handle: RePEc:fip:fednls:102978
    DOI: 10.59576/lse.20260331
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    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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