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Wednesday, March 18, 2015

Researchers Examine Shrinking Cohort of Small Banks

The number of community banks has fallen by 28% since 2000, according to a study from researchers at George Mason University’s Mercatus Center — with half of that shrinkage coming since the Dodd-Frank Act was passed. In examining reasons for the decline, the researchers identified both market forces and regulatory pressure. The researchers said:

While bank concentration itself is not bad, increasing regulatory burdens should not be the driver of regulatory consolidation. To the extent this trend is driven by regulation – not market forces — it is troubling, since small banks are important members of the financial industry and of the local communities they serve.

Read the study.

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