Despite ample research demonstrating many consequences of bank geographic deregulation, the bank capital determinants … evidence that geographic deregulation significantly increases both bank target capital ratios and speeds of adjustment to these … ways, including a gravity-deregulation approach with time-varying bank-specific instruments. Findings are also robust to …

The U.S. bank stress tests aim to improve financial system stability. However, they may also affect bank credit supply …

This paper empirically examines how capital affects a bank's performance (survival and market share), and how this …

We formulate and test hypotheses about the role of bank type – small versus large, single-market versus multimarket … Survey of Small Business Finance (SSBF), we conduct two sets of tests. First, we test for the type of bank serving as the … "main" relationship bank for small businesses with different firm and owner characteristics. Second, we test for the …

bank presence affects these firms in normal times (2004-2006) and in the recent financial crisis (2007-2009). We find that … greater small bank presence yields significantly more lending to and slightly lower failure rates of these firms during normal …

Conventional wisdom in banking argues that diversification tends to reduce bank risk and improve performance, but the … to benefit more from being diversified. This analysis provides important strategic and policy implications for bank …

may have increased during the crisis due to heightened awareness of the risks of bank failures. To address these issues …