Abstract

http://ssrn.com/abstract=572545
 
 

Citations



 


 



The Past, Present, and Probable Future for Community Banks


Robert DeYoung


University of Kansas School of Business

William C. Hunter


Tippie College of Business; University of Connecticut - School of Business

Gregory F. Udell


Indiana University - Kelley School of Business - Department of Finance


Journal of Financial Services Research, Vol. 25, No. 2 & 3, April/June 2004

Abstract:     
We review how deregulation, technological advance, and increased competitive rivalry have affected the size and health of the United States community banking sector and the quality and availability of banking products and services. We then develop a simple theoretical framework for analyzing how these changes have affected the competitive viability of community banks. Empirical evidence presented in this paper is consistent with the model's prediction that regulatory and technological change has exposed community banks to intensified competition on the one hand, but on the other hand has left well-managed community banks with a potentially exploitable strategic position in the industry. We also offer an analysis of how the number and distribution of community banks may change in the future.

Keywords: Community banks, small business lending, banking industry consolidation

Accepted Paper Series





Not Available For Download

Date posted: August 5, 2004  

Suggested Citation

DeYoung, Robert and Hunter, William C. and Udell, Gregory F., The Past, Present, and Probable Future for Community Banks. Journal of Financial Services Research, Vol. 25, No. 2 & 3, April/June 2004. Available at SSRN: http://ssrn.com/abstract=572545

Contact Information

Robert DeYoung (Contact Author)
University of Kansas School of Business ( email )
Summerfield Hall
1300 Sunnyside Avenue
Lawrence, KS 66045
United States
785-864-1806 (Phone)
William Curt Hunter
Tippie College of Business ( email )
108 Pappajohn Business Building
Iowa City, IA 52242-1000
United States
University of Connecticut - School of Business ( email )
Tippie College of Business
108 Pappajohn Business Bldg
Iowa City, IA 52242
United States
319-335-0866 (Phone)
318-0860 (Fax)
Gregory F. Udell
Indiana University - Kelley School of Business - Department of Finance ( email )
1309 E. 10th St.
Bloomington, IN 47405
United States

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