Do Bank Size and Metro-Nonmetro Location Affect Bank Behavior?

Daniel L. Milkove

No 333923, Rural Development Research Reports from United States Department of Agriculture, Economic Research Service

Abstract: A bank's lending policies and its aggressiveness in attracting large deposits depend more on the size of the bank's assets than on its rural or urban location. Many rural banks do take fewer risks than urban banks, but that's because of the small sizes (value of assets) of many rural banks, not their locations. The kinds of deposits (6-month money market certificates and large time deposits) and investments (government securities and Federal funds) a bank uses, the rate of loan losses, and its profitability indicate a bank's aggressiveness and lending policies.

Keywords: Financial Economics; Institutional and Behavioral Economics; Risk and Uncertainty (search for similar items in EconPapers)
Pages: 17
Date: 1985-04
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Persistent link: https://EconPapers.repec.org/RePEc:ags:ersrdr:333923

DOI: 10.22004/ag.econ.333923

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