A Brief Survey of Recent Studies of Bank Failures in the U.S

Richard Cebula () and Jiay Xu
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Jiay Xu: Mount St. Joseph University, Cincinnati, Ohio, USA

Economia Internazionale / International Economics, 2023, vol. 76, issue 2, 265-274

Abstract: This study provides a brief review of several recently published papers that attempt to identify factors that have influenced the failure rate of commercial banks in the U.S. In the effort to provide more useful/contemporary insights, the focus is on studies of bank failures published in the year 2000 and thereafter. Most of the studies emphasize micro-level causal factors, although certain studies direct attention to macro-level analysis. Moreover, there is an effort, albeit only modest, to identify factors affecting the bank failure rate of minority-owned banks; this fact suggests an arguably useful emphasis for future research. Una breve rassegna di recenti ricerche sui fallimenti bancari negli Stati Uniti Questo articolo presenta una breve rassegna di recenti studi sui fattori che hanno influenzato il tasso di fallimento delle banche commerciali negli USA. Nel tentativo di fornire spunti più utili ed attuali, l’articolo prende in considerazione solo studi pubblicati a partire dal 2000. La maggior parte degli studi enfatizza fattori causali a livello microeconomico, ci sono, tuttavia, anche studi che pongono l’attenzione sugli aspetti macroeconomici. Si riscontra il tentativo, seppur modesto, di identificare fattori che influenzano il tasso di fallimento bancario di istituti controllati da minoranze etniche, il che rappresenta un interessante ed utile spunto per ricerche future.

Keywords: Banking; Bank Failures; U.S. Banks; Bank Financial Ratios; Balance Sheet Data (search for similar items in EconPapers)
JEL-codes: G21 G32 G33 (search for similar items in EconPapers)
Date: 2023
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