From Benevolence to Business: The Story of Two Savings Banks*

Lance Edwin Davis and Peter Lester Payne

Business History Review, 1958, vol. 32, issue 4, 386-406

Abstract: This comparative study deals with objectives, administration, and portfolio policies of two banks that were among the earliest institutional lenders in America. Founded to assist the “frugal poor,” both banks faced the handicaps of provincialism, capital immobility, and regulation in their efforts to enlarge their services to the community. Both contributed much to a growing public understanding of banks and banking.

Date: 1958
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