We examine the effects of geographic deregulation on banks' cost of equity (COE) using changes in interstate bank …

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 …

We examine the effects of competition on bank risk. We find strong evidence that interstate banking deregulation … — which generally increases bank competition — is associated with lower bank risk and some evidence intrastate branching … increases bank risk. Further, interstate banking reduces bank risk more in sparsely populated states. Additional analyses …

We model dynamic bank capital structure under three optimally-designed regulatory regimes dealing with potential …