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Journal Article
CRA: An Examiner's Perspective Considerations for Branch Closings
Branch closures can have negative impacts on a bank’s Community Reinvestment Act rating. For residents, a branch closure may result in less access to personal banking products such as checking and savings accounts.
Working Paper
Shrinking Networks: A Spatial Analysis of Bank Branch Closures
As more consumers take advantage of online banking services, branch networks are declining across the country. Limited attention has been given to identifying any possible spatial patterns of branch closures and, more importantly, the community demographics where branches close their doors. This analysis uses an innovative spatial statistics concept to study financial services: Using data from 2010 to 2016, a random labelling test is conducted to understand branch closure clustering in the Philadelphia, Chicago, and Baltimore metropolitan statistical areas (MSAs). Additionally, spatial ...