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Consolidation and Merger Activity in the United States Banking Industry from 2000 Through 2010

Robert M. Adams

Federal Reserve Board

August 8, 2012

FEDS Working Paper No. 2012-51

This study investigates trends in consolidation and merger activity in the United States banking industry from 2000 through 2010. Over this period, the U.S. banking industry has consistently experienced over 150 mergers annually, with the largest banking organizations holding an increasing share of banking assets. While the industry has undergone considerable consolidation at the national level, local banking markets have not experienced significant increases in concentration. The dynamics of consolidation raise concerns about competition, output, efficiency, and financial stability. This study uses a comprehensive proprietary data set to examine mergers and acquisitions involving banks and thrifts. The methodology in this paper expands the definition of mergers to include more types of transactions than previous studies on bank mergers.

Number of Pages in PDF File: 34

Keywords: G2, L89

JEL Classification: Banking, mergers, antitrust

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Date posted: December 26, 2012  

Suggested Citation

Adams, Robert M., Consolidation and Merger Activity in the United States Banking Industry from 2000 Through 2010 (August 8, 2012). FEDS Working Paper No. 2012-51. Available at SSRN: http://ssrn.com/abstract=2193886 or http://dx.doi.org/10.2139/ssrn.2193886

Contact Information

Robert M. Adams (Contact Author)
Federal Reserve Board ( email )
20th and C Streets, NW
Washington, DC 20551
202-452-2653 (Phone)
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