Market Concentration and Its Impact on Community Banks

Andrew P. Meyer

The Regional Economist, 2018, vol. 26, issue 1

Abstract: This article explores the effect that market concentration has on the ability of community banks to expand in their small markets, especially rural ones. For small banking markets, a community bank is often prevented from selling to a crosstown rival because of market concentration regulations, even if it might be in the best interest of consumers for other reasons. For example, compared to an in-market community bank, a large out-of-market bank holding company may have less interest in local institutions and less knowledge about market conditions and the reputation and quality of local businesses.

Date: 2018
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