Abstract

http://ssrn.com/abstract=1091016
 
 

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Geographic Deregulation and Competition in the U.S. Banking Industry


H. Semih Yildirim


York University - Atkinson School of Administrative Studies

Sunil Mohanty


University of St. Thomas (Minnesota) - Opus College of Business

November 1, 2007


Abstract:     
We examine the effects of geographic deregulation on state-level competition in U.S. banking markets over the period 1976-2005. The empirical results confirm that the U.S. banks in general operated under monopolistic competition during the period examined. After partitioning the sample based on bank size we find that the market competition for large banks in Delaware, Oregon, and Rhode Island can be characterized as monopolistic while small banks in Arizona and Massachusetts seem to have operated under the conditions of perfect competition. The removal of geographic restrictions appears to have very limited and non-uniform effect on state-level competitive conduct. There is some evidence that the U.S. banking industry might have actually experienced a less competitive behavior in recent years due to increased market power of larger banks.

Number of Pages in PDF File: 35

Keywords: Geographic deregulation, bank competition

JEL Classification: G21, G28

working papers series


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Date posted: February 7, 2008  

Suggested Citation

Yildirim, H. Semih and Mohanty, Sunil, Geographic Deregulation and Competition in the U.S. Banking Industry (November 1, 2007). Available at SSRN: http://ssrn.com/abstract=1091016 or http://dx.doi.org/10.2139/ssrn.1091016

Contact Information

H. Semih Yildirim (Contact Author)
York University - Atkinson School of Administrative Studies ( email )
218 Atkinson Building
Toronto, Ontario M3J 1C4
Canada
+1 (416) 736-2100 Ext.224777 (Phone)
+1 (416) 736-5963 (Fax)
HOME PAGE: http://www.yorku.ca/yildirim/
Sunil K. Mohanty
University of St. Thomas (Minnesota) - Opus College of Business ( email )
1000 LaSalle Avenue
TMH 443
Minneapolis, MN 55403
United States
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