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Analysis

Brick-and-Mortar Banking Remains Prevalent in an Increasingly Virtual World

This paper chronicles long-term trends in the number and density of U.S. banking offices from 1935 to 2014. The study examines the effects that population trends, bank crises, changes in banking laws, and online and mobile banking have had on the number and density of banking offices, and explores the relationship between technology and brick-and-mortar bank offices.
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    Last Updated: November 19, 2025