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Minority Depository Institutions Program

Structure, Performance, and Social Impact

Minority Depository Institutions Cover


The 2019 MDI Research Study explores changes in MDIs, their role in the financial services industry, and their impact on the communities they serve. The study period covers 2001 to 2018 and looks at the demographics, structural change, geography, financial performance, and social impact of MDIs.

Complete Report - PDF

Contents

Acknowledgements
Introduction
Executive Summary

Section 1: Demographics of MDIs

  • 1.1 Overview
  • 1.2 Demographics of MDIs
  • 1.3 Balance Sheet Characteristics
  • 1.4 Lending Specialty Group

Section 2: Structural Change Among MDIs

  • 2.1 Overview
  • 2.2 Structural Change Among Minority Depository Institutions
  • 2.3 Number of Charters
  • 2.4 Impact of Structural Change on The Assets Controlled by MDIs

Section 3: Geography of MDIs

  • 3.1 Overview
  • 3.2 The Geography of MDIs
  • 3.3 Headquarters
  • 3.4 Branch Offices
  • 3.5 Market Share
  • 3.6 FDIC-Insured Non-MDI Community Bank Markets Differ From MDI Markets

Section 4: Financial Performance of MDIs

  • 4.1 Overview
  • 4.2 Financial Performance of MDIs
  • 4.3 Loan Concentration and Geography
  • 4.4 Profitability and Credit Quality
  • 4.5 Revenue
  • 4.6 Overhead Costs
  • 4.7 Efficiency Ratios

Section 5: Social Impact of MDIs

  • 5.1 Overview
  • 5.2 Social Impact of Minority Depository Institutions
  • 5.3 The Median Share of Service Area Population Living in LMI Tracts Is Higher Among MDIs
  • 5.4 The Median Share of Minority Populations in Service Areas Is Higher Among MDIs
  • 5.5 Home Mortgage Lending of MDIs
  • 5.6 MDI SBA 7(a) Lending Activity
  • 5.7 MDIs Lend to Businesses in LMI Communities More Than Non-MDIs
  • 5.8 MDI Borrowers Live in Communities with Higher Shares of Minority Populations
  • 5.9 MDI Loan Size Varies Widely by Minority Status

Appendix: Statistical Significance Tests

  • Appendix 1 - Additional Information of the Statistical Significance Tests

All items are PDF files. See PDF Help for assistance.

Last Updated: June 24, 2019