RICHMOND, Virginia, June 24 (TNSLrpt) -- Research from the Federal Reserve Bank of Richmond in June 2025 delves into the dramatic spatial expansion of U.S. banks following the deregulation of the 1980s and 90s, revealing how large banks strategically sorted into diverse markets to fuel their growth. The study, titled "Banks in Space" (WP 25-03), offers a novel "spatial theory of banking" that explains the shift from local, small banks to nationwide, multi-branch giants.
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