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Economic Commentary

Have the Characteristics of High-Earning Banks Changed? Evidence from Ohio

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Regulatory and technological changes in the banking industry have had a pronounced effect on bank operations in the last decade. By analyzing the average return on assets for both high- and low-earning banks in Ohio over five-year periods in the mid-1970s and mid-1980s, the author finds that the top-performing financial institutions earned higher returns after deregulation, while the earnings of poorly managed banks deteriorated.

09.01.1989EC 9/1/1989

The views authors express in Economic Commentary are theirs and not necessarily those of the Federal Reserve Bank of Cleveland or the Board of Governors of the Federal Reserve System. The series editor is Tasia Hane. This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. This paper and its data are subject to revision; please visit clevelandfed.org for updates.

Suggested Citation

Watro, Paul R. 1989. “Have the Characteristics of High-Earning Banks Changed? Evidence from Ohio.” Federal Reserve Bank of Cleveland, Economic Commentary 9/1/1989.

This work by Federal Reserve Bank of Cleveland is licensed under Creative Commons Attribution-NonCommercial 4.0 International