2009
Lending Competition of Community Banks and the Farm Credit
System
By Eric Robbins
This study examines the sources of loan competition that
community banks have faced and how the nature of that
competition has changed over the years, as regulations were
altered that previously limited bank branching or the activities
of other competitors, like thrifts and credit unions, or
nonbanks, including government-sponsored enterprises.
Specifically, this study looks at how the Farm Credit System and
farm credit associations are attracting increasing attention
from many community banks as significant loan competitors.