We study integration among a large sample of 1109 US banks over a quarter-century from 1990–2014. We define a bank … factors. We show that the median US bank's integration has risen from 4.4% in 1990 to 10.1% in 2014. Integration across banks … is highly unevenly distributed, appears to obey a power law and for the median “systemically important” bank …

continues to rise unabated. Among characteristics associated with integration, we find that bank size is the most significant …

median US bank's integration has increased significantly post-2005. During the great recession and the Eurozone crisis …, integration levels among US banks display a significant rise over and above their trend. We find that bank size is the most … association with bank integration while the net interest margin and combined tier 1 and tier 2 capital ratio influence bank …