Banking Market Definitions

These preliminary banking market definitions are currently used by the Federal Reserve Bank of Cleveland in analyzing the competitive effects of banking proposals within the Fourth District. The market definitions are typically based upon several factors that include, but need not be limited to, trade areas, commuting patterns, political boundaries, and location and size of banks and other financial institutions.

Since the market definitions are preliminary, they are subject to modification as the above mentioned factors change or as applications are processed. Evaluation of a preliminary market definition is typically linked to analysis of specific applications. The definitions described here reflect those in use as of March 2008.

The banking market definitions for the Fourth District are listed by state. To view a specific banking market definitions, select the State Market you would like to use. Once a state has been selected, the appropriate banking market can be found by using either a county name or the specific banking market. Prior to using the definitions, please contact a member of the Regulatory Applications staff.

Banking Market Definitions for Bordering States

For those states that border other Federal Reserve Districts, it may be necessary to reference the Banking Market Definitions for these states. These definitions are available on the following websites:

Competitive Analysis and Structure Source Instrument (CASSIDI)

As an additional resource for determining Banking Market Definitions, the St. Louis Federal Reserve Bank created CASSIDI, a resource that provides banking market definitions as well as a tool to calculate how a potential merger transaction would change a banking market's concentration. Users are able to search for and view banking markets, find banking market concentrations, and perform "what if" analyses on banking market structures.