An examination of the relationship between bank profitability and concentration using recent data from a sample of institutions drawn from non-metropolitan statistical area counties in Ohio and Pennsylvania.

An empirical study of the relationship between market concentration and bank performance in rural markets, examining both actual and potential competition and controlling for risk, market share, and simultaneity.

A discussion of the traditional structure-performance theory and the contestable market theory as they pertain to competition and bank profitability in the banking industry. The author uses data from a sample of Ohio and Pennsylvania banks.

We investigate how banking market competition, informational opacity, and sensitivity to shocks have changed over the last three decades by examining the persistence of firm-level rents. We develop propagation mechanisms with testable implications to isolate the sources of persistence. Our...