Bank Market Share by Size of Institution, 1994 to 2018
As these six graphs show, bank market share has changed dramatically between 1994 and 2018 as giant banks have come to dominate the banking sector.… Read More
Small Business Lending by Size of Institution, 2018
In 2018, community-based financial institutions made 52 percent of all small business loans, even though they controlled only 16 percent of banking assets.… Read More
Distribution of Deposits and Assets by Size of Bank, 1994-2018
In the past decades, both total bank assets and total deposits have concentrated at the giant banks, those with over $100.2 billion in assets.… Read More
Small Business Loans as a Share of Assets, 2018
Small and mid-sized financial institutions devote a greater share of their assets to small business lending than big banks.… Read More
Op-Ed in Fortune: The Hidden Price of Cashless Retail
In Fortune, we detail the growing cashless retail trend, steps cities and states are taking to regulate it, and the ultimate effect monopoly credit card companies like Visa and Mastercard have on small businesses and the economy at large.… Read More
Small Banks, Big Benefits (Episode 16)
In this episode of the Building Local Power podcast, our guest is Justin Dahlheimer, president of a community bank in west-central Minnesota. Justin and our hosts discuss the benefits of community banking, and how banks lend differently when they have a vested stake in their community.… Read More
A Tool to Find Banks that Invest in the Local Economy
A new tool called Bank Local, which was developed with input from ILSR and other experts, makes it easier to assess the impact that banks have on their communities.… Read More
How One State Escaped Wall Street’s Rule and Created a Banking System That’s 83% Locally Owned
North Dakota has a different kind of banking sector than the rest of the country does, with six times as many locally owned financial institutions per person as the rest of the U.S., and local institutions controlling 83 percent of the market. What is North Dakota doing differently? A lot of the answer is the Bank of North Dakota.… Read More
Why Glass-Steagall Should Be a Key Issue During the 2016 Campaign
In a 2016 campaign season already dominated by candidates’ pursuit of Wall Street donations, how to regulate the banking sector remains one of the most pressing issues facing the country. The Glass-Steagall Act is becoming, and should remain, a key part of the debate.… Read More