An investigation into credit availability in the Minneapolis-St. Paul Hmong community. ; 2002 Annual Report essay

The merger boom in the U.S. banking industry has caused the number of banking organizations in the nation to fall by nearly a third since 1990. Most of this contraction has involved small community banks. ; A common perception is that most of these small banks are being absorbed by large banks....

The demise of the community bank business model has been prognosticated by many, especially with the recent financial crisis. But what do the numbers suggest for the future?