How to make Community banks stable

There are nearly 5,000 community banks in the United States today, which is more than the number of banks of any size in any country in the world.

That fact, however, belies a stark reality. Around 1990 and 2018, the number of banks with assets below $500 million fell by around 70%, reflecting a decline of around 7,600 institutions.

Some of that decline is due to banks growing above the threshold of $500 million.

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