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Impact of the IBBEA on the Structure of the U.S. Bank System: 1993-2003


  • Albert E. DePrince


The passage of the Interstate Banking and Branch Efficiency Act (IBBEA) of 1994 streamlined the consolidation process that had been underway since the formation of the first regional compact in 1982. This study shows that in the IBBEA’s aftermath, bank holding companies streamlined operation by consolidated bank charters within the holding companies; banks of mammoth size quickly emerged; concentration increased at that national level and bank size grew; and when segregating banks into five asset sizes, the consolidation among banks over the last 10 years came largely at the expense of the number of the nation’s smallest banks. The study also reports on forward-looking simulations that point to continued losses in the number of small banks.

Suggested Citation

  • Albert E. DePrince, 2005. "Impact of the IBBEA on the Structure of the U.S. Bank System: 1993-2003," Working Papers 200501, Middle Tennessee State University, Department of Economics and Finance.
  • Handle: RePEc:mts:wpaper:200501

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    References listed on IDEAS

    1. Jeffery W. Gunther & Robert R. Moore, 2004. "Small banks' competitors loom large," Southwest Economy, Federal Reserve Bank of Dallas, issue Jan, pages 1,9-13.
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    Cited by:

    1. Gregory Nguyen, 2010. "The banking market (jigsaw) puzzle : Would coming closer to a stand-alone subsidiary model automatically lead to cross-border re-fragmentation ?," Financial Stability Review, National Bank of Belgium, vol. 8(1), pages 143-160, June.

    More about this item


    Banking; Financial Institution; Banking Legislation;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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