; ii) the impact of regulation; and iii) how bank closures exacerbated the post-war bust. The boom encouraged new bank … bank portfolios, while higher minimum capital requirements dampened the effects. Banks that responded most aggressively to … the asset boom had a higher probability of closing in the bust, and counties with more bank closures experienced larger …

1999, the markets were more sensitive to bank vulnerability and higher premiums were required …

Motivated by the regional bank crisis of 2023, we model the impact of interest rates on the liquidity risk of banks … valuable if depositors remain in the bank. This creates run incentives for uninsured depositors. We show that a run equilibrium … the bank. The liquidity risk of the bank thus increases with interest rates. We provide a formula for the bank's optimal …

panel database of South Dakota bank stockholders from 1910-1934 to study bank stockholder growth as well as its effect on … bank composition and risk. Overall, the average number of stockholders in a bank rose from 8 to 21 over the period with … with a subsequent increase in a bank's proportion of loans-to-assets, but no direct effect on bank closure outside of this …