The impact of out-of-state entry on the cost efficiency of local commercial banks

Article Abstract:

An improvement in banking performance was noted in those states that are implementing the Riegle-Neal Act, which permits commercial banks to undertake an out-of-state operation. States that have been permitting out-of-state entry for at least six years were able to experience improvement in their local banks' cost efficiency. A 3% improvement in cost efficiency was observed for every year in which banks faced interstate competition.

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Banking Regulation, Banking law

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Geographic integration of bank deposit markets and restrictions on interstate Banking: a cointegration approach

Article Abstract:

The results on the examination of the degree of market integration for different types of banking products show that consumer deposit markets are integrated and are not inherently local. The results also show that, in terms of an antitrust policy, the regulatory policies which determine a banking market based on simple geographic distinctions will not be accurately similar to the true economic market where banks operate.

Economics, Research and Development in the Social Sciences and Humanities, Research, Analysis, Bank deposits, Economic geography

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