联邦存款保险公司认定的社区银行的业绩

IF 6.1 2区经济学 Q1 BUSINESS, FINANCE

Journal of Financial Stability Pub Date : 2025-02-12 DOI:10.1016/j.jfs.2025.101394

Athina Petropoulou , Vasileios Pappas , Steven Ongena , Dimitrios Gounopoulos , Richard Fairchild

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引用次数: 0

摘要

在认识到其商业模式的独特性后，FDIC于2012年推出了新的社区银行定义（在2020年再次确认），改变了识别该银行集团的方法。本文考察了这种重新定义的社区银行地位对银行绩效的影响。采用准差中差方法，研究发现获得社区银行地位的银行表现出更大的财务稳定性和更低的风险，贷款和存款结构中介了这些影响。这些发现为重新分类带来的“暖光”效应提供了新的见解，影响了这些机构的绩效。通过赋予社区银行地位，FDIC可能挖掘到了“社区”一词对各种利益相关者的社会和情感意义。

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The performance of FDIC-identified community banks

In recognizing the uniqueness of their business model, the FDIC launched a new community bank definition in 2012 (reaffirmed in 2020) that changed its approach to identifying this bank group. This paper examines the impact of this re-defined community bank status on bank performance. Using a quasi-difference-in-differences approach, the study finds that banks that obtain the community bank status exhibit greater financial stability and lower risk, with lending and deposit structures mediating these effects. These findings offer new insights into a "warm glow" effect brought by the re-classification, affecting the performance of these institutions. By assigning the community bank status, the FDIC may have tapped into the social and emotional significance tied to the word "community" for various stakeholders.

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来源期刊

Journal of Financial Stability Multiple-

CiteScore

7.70

自引率

9.30%

发文量

审稿时长

34 days

期刊介绍： The Journal of Financial Stability provides an international forum for rigorous theoretical and empirical macro and micro economic and financial analysis of the causes, management, resolution and preventions of financial crises, including banking, securities market, payments and currency crises. The primary focus is on applied research that would be useful in affecting public policy with respect to financial stability. Thus, the Journal seeks to promote interaction among researchers, policy-makers and practitioners to identify potential risks to financial stability and develop means for preventing, mitigating or managing these risks both within and across countries.