The Past, Present, and Probable Future for Community Banks

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Bank Liquidity Creation and Real Economic Output (2017, neutral): “Banks less han or equal to $1 billion in assets are generally considered to e community banks ( DeYoung et al., 2004 ) and $1 billion is the raditional dividing line between small and large banks throughout uch of the empirical banking literature (e.g., Carter and McNulty, 005; Berger and Black,…”
Bank Concentration and Competition: An Evolution in the Making (2004, background): “…rules and regulations play more central roles in international research because they differ so greatly across nations. nations tend to serve smaller, more local customers, and to provide more retailoriented rather than wholesale-oriented financial services (e.g., DeYoung, Hunter, and Udell 2004).”
Corporate Governance and Bank Performance: A Joint Analysis of the Static, Selection, and Dynamic Effects of Domestic, Foreign, and State Ownership (2005, background): “Other research finds that large and small banks may serve different groups of customers, use different technologies, and/or have different effects on competition (see DeYoung, Hunter, and Udell 2004 for a survey).”
Do Small Businesses Still Prefer Community Banks (2013, methodology): “Turning to main bank characteristics, we use a size cutoff of $1 billion in gross total assets (GTA) to distinguish between small and large banks following prior research on the empirical definition of “community banks” (e.g., DeYoung, Hunter, and Udell 2004).”