Bank Mergers and Acquisitions

Several economic factors have caused banking institutions to merge over the past several years. The wave of bank mergers has raised concerns about decreased competition and loss of local involvement. To date, data suggest that mergers do not result in across-the-board fee increases for banking services. Community groups often use the merger process to raise concerns about lending to minorities and low-income communities.

LEGISLATIVE/REGULATORY INFORMATION

• Industry Numbers and Bank Mergers (Powerpoint) 
• Top Commercial Bank Mergers Since 2000
• Bank Mergers and Banking Structure in the United States, 1980-98
• Bank Merger Activity in the United States, 1994-2003
• Local market consolidation and bank productive efficiency
• Regulatory incentives and consolidation: the case of commercial bank mergers and the Community Reinvestment Act.

ADDITIONAL INFORMATION

• What bank customers need to know when their bank is merging?
• Frequently Asked Questions

Questions? For more information, contact Keith Leggett.