Using data from surveys of the National Federation of Independent Business (NFIB), an analysis is made to determine the competitiveness of rural versus urban banking markets. Looking at interest rates and credit availability there appears to be no less of a competitive position among rural banks. Service performance, which is subjectively derived, seems to be greater among rural banks.
interest rates, credit availability, bank performance, deregulation
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Scott, Jonathan A. and Dunkelberg, William C., "Rural Versus Urban Bank Performance: An Analysis of Market Competition for Small Business Loans" (1983). Working Papers. 42.