Impact of the IBBEA on the Structure of the U.S. Bank System: 1993-2003

Albert E. DePrince

No 200501, Working Papers from Middle Tennessee State University, Department of Economics and Finance

Abstract: The passage of the Interstate Banking and Branch Efficiency Act (IBBEA) of 1994 streamlined the consolidation process that had been underway since the formation of the first regional compact in 1982. This study shows that in the IBBEA’s aftermath, bank holding companies streamlined operation by consolidated bank charters within the holding companies; banks of mammoth size quickly emerged; concentration increased at that national level and bank size grew; and when segregating banks into five asset sizes, the consolidation among banks over the last 10 years came largely at the expense of the number of the nation’s smallest banks. The study also reports on forward-looking simulations that point to continued losses in the number of small banks.

Keywords: Banking; Financial Institution; Banking Legislation (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2005-01
New Economics Papers: this item is included in nep-fin
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Citations: View citations in EconPapers (1)

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Persistent link: https://EconPapers.repec.org/RePEc:mts:wpaper:200501

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