and economic activity have declined in recent years. These results have implications for investors, bank regulators, and …

to monetary policy differs across small banks that are affiliated with the same bank holding company but operate in … affects the response of bank lending. We find evidence that the negative response of bank loan growth to a monetary …

financial services, the number of U.S. bank branches has continued to increase steadily over time. Further, an increasing … lower bank-average deposits per branch and roughly equal volumes of small business loans per branch, but no reduction in net …-sized branch networks had lower bank-average deposits and small business loan volume per branch, but had lower net deposit costs …