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How much has community banks' share of U.S. banking assets and lending markets fallen since 1994?

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Community banks' share of the U.S. banking market has fallen from more than 40% in 1994 to around 20% today, a decline of more than 50%. Per a 2015 working paper from the Harvard-Kennedy School of Government, government regulations are the likely primary cause of this fall, because "larger banks are better suited to handle heightened regulatory burdens than are smaller banks, causing the average costs of community banks to be higher."

DocumentationState of Community Banking

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