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RECENT ARTICLES

Number of Commercial Banks and Savings Institutions in the United States





THE DISTURBING DISAPPEARANCE OF LOCAL BANKS

THE TOP 20% OF COMMERCIAL BANKS IN THE UNITED STATES CONTROL 95% OF OUR TOTAL
BANKING ASSETS. REMEMBER “TOO-BIG-TO-FAIL”?

THE TOP 20% OF COMMERCIAL BANKS IN THE UNITED STATES CONTROL 95% OF OUR TOTAL
BANKING ASSETS. REMEMBER “TOO-BIG-TO-FAIL”?

By Guest Writer • Sep 19, 2024
• Topics: Washington state, Government, Business,

[Guest writer, Marco Rosaire Rossi, is the executive director for Washingtonians
for Public Banking and an adjunct professor in political science.]

In its first ever publication, Washingtonians for Public Banking (WPB)—a
nonprofit advocacy organization that promotes public banking and banking
reform—has released its report describing the decline of community banks in
Washington. Titled Community Banking Decline and Consolidation: A Comparison
Between Washington and North Dakota, the report (at Related Links below)
describes how the United States has entered an unprecedented era of bank
consolidation. Indeed, despite the Great Depression and the Second World War,
the number of commercial banks in the United States in the 20th century was
relatively stable. However, beginning in late 1980s, and accelerating throughout
the 1990s, the number of banks in the United States plummeted and the industry
experienced an era of rapid consolidation. The banks hardest hit during this
period were small community banks that provided financial services to a local
market. 

There were several reasons for this decline, including social and technological
changes in the banking sectors, such as the rise of FICO scores and the rapid
adoption of ATMs. Nevertheless, the primary causes of the consolidation appear
to be policy orientated. During the 1980s, many states loosened their banking
restrictions and formed interstate banking agreements with neighboring states.
By the 1990s, the concept of banking deregulation had gained majority support in
Congress. In 1994, Congress passed the Riegle-Neal Interstate Banking and
Branching Efficiency Act (IBBEA). The act allowed bank holding companies to
acquire banks anywhere in the country and invalidated state laws which only
allowed interstate banking on the condition of reciprocity. In 1999, the IBBEA
was followed by the Financial Services Modernization Act of 1999—also known as
the Gramm-Leach-Bliley Act—which repealed parts of the Glass-Steagall Act of
1933, and allowed investment banks to hold deposits, thus permitting commercial
banks, securities companies, and insurance companies to be consolidated into
financial conglomerates. 

The consequence of this legislation meant that between 1992 and 2023, the number
of commercial banks and saving institutions in the United States declined by
68%, while between 2004 and 2021, the number of credit unions declined by 54%.
Currently, the top 20% of commercial banks in the United States control 95% of
the total banking assets. At the same time, the top 10 wealthiest banks—which
constitute just over 0.2% of the total number of commercial banks—have more
total assets than the remaining 99.8%. 

Washington is not an exception to this trend. Between 1992 and 2023 the number
of banks that were chartered or headquartered in the state also declined by 68%.
Currently, there are 40 local commercial banks and saving institutions, 48 state
chartered credit unions, and 28 federally chartered credit unions operating in
Washington. However, the 33 out-of-state commercial banks or savings
institutions operating in Washington have nearly one hundred times the assets of
all of Washington’s local banks and credit unions, and control 74% of the
commercial banking market. The bank with the single largest share of
Washington’s market is Bank of America. Alone, it controls 21.02% of the state’s
market.

In contrast, North Dakota has been somewhat resistant to the phenomenon of
declining community banks. Between 1992 and 2023 the number of commercial banks
and savings institutions chartered or headquartered in North Dakota declined at
a slower rate than it did nationally. Additionally, there are only 10
out-of-state banks operating in North Dakota. While these 10 out-of-state banks
have approximately one hundred times the assets of all of North Dakota’s local
banks and credit unions, they only control 21% of North Dakota’s commercial
banking market. The bank with the single largest share of North Dakota’s market
is the locally chartered Bell Bank, which controls 12.35% of the commercial
market, despite only having $13 billion in assets. 

The strength of North Dakota’s local banking sectors relative to Washington’s
can be largely attributed to the support that the state’s community banks
receive from the state owned and operated public bank, the Bank of North Dakota
(BND). The BND was established in 1919. Since then, the BND has functioned as a
central pillar of the North Dakota economy, providing low-interest loans for
projects related to agriculture, infrastructure, higher education, and disaster
relief. Critically, the BND acts as a mini-Federal Reserve for the state. It
partners with the state’s community banks and credit unions to provide check
clearing services, offers loan guarantees, and buys risky loans from their
portfolios. That additional support makes it easier for North Dakota’s community
banks to compete against the out-of-state banking behemoths that are
monopolizing Washington’s banking sector. 

The report concludes with a dire prognostication. Unless countervailing trends
quickly emerge, small community banks will become a thing of the past. In their
place, the banking sector will be dominated by a few “too-big-to-fail” financial
institutions. For states like Washington, this has meant a loss of local control
and ownership over the state’s banking market, and instead, the dominance of
out-of-state megabanks. Unfortunately, the decline of community banks has been
associated with a lack of lending to small businesses, and underinvestment in
poor—specifically minority—communities. Large banks mostly focus on securities,
not day-to-day lending. The consequence is that much needed credit will become
scarcer and more expensive, and the overall character of the banking sector
throughout the United States will become more precarious and insecure. 

For these reasons, the report endorses Washington creating a state-owned public
bank as a remedy to the issue of community bank decline. It advocates that
Washington create a similar state owned and operated public bank as an effective
means of saving its few remaining local community banks and small credit unions.


RELATED LINKS

 * The full report - online at Washingtonians for Public Banking


COMMENTS BY READERS

B. SADIE BAILEY

Sep 23, 2024

Excellent article; thank you. Are we in Washington at all close to creating a
State owned Public Ban? With all of Tim Eyman’s initiatives hamstringing our
state legislature, would it even be possible? If so, what can we do to help this
along?

There was a lady I loved reading and I have lost track of her but she promoted
the idea of both state and federal Public banking. Ellen Brown was someone I
used to follow a lot. Haven’t heard much from her but found this May 2024
article from the Public Banking Institute - of which she is co-founder. Seems
Calif. has similar budget problems to Washington state. The remarkable plummet
from a very large surplus to huge deficit seems suspect. They too need 2/3 of
state legislature to get anything done.
https://publicbankinginstitute.substack.com/p/tackling-californias-budget-crisis?r=32zcx8



Read More...

DICK CONOBOY

Sep 24, 2024

Sadie,

Ellen is still out and about.  I run into her regularly on Zoom meetings and
webinars.  She has a site on Substack.  You can sign up for emails from her. 
She also works with the Coalition for a National Infrastructure Bank.  You can
go to their site and sign up for notices on future webinars and Zooms. 

Read More...

B. SADIE BAILEY

Sep 24, 2024

Thanks! I will sign up for her substack. I know she used to have a blog called
Web of Debt as well. She is an amazing person; has done so much toward trying to
get Public Banking going.

Read More...


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THE DISTURBING DISAPPEARANCE OF LOCAL BANKS

By Guest Writer • On Sep 19, 2024



The top 20% of commercial banks in the United States control 95% of our total
banking assets. Remember “Too-Big-to-Fail”?



3 comments, most recent 3 weeks ago


HOW TO GET NOTHING DONE

By Jon Humphrey • On Aug 24, 2024



The City has created another useless document ensuring nothing changes and
mediocre communication services are protected.



13 comments, most recent 2 weeks ago


FIRST MURRAY. NOW LARSEN. HALF TRILLION DOLLAR THEFT FROM MEDICARE: NOT AN
ISSUE.

By Dick Conoboy • On Jul 27, 2024



Heaven forbid our reps should attack the main problem, Medicare Advantage, head
on. But no. They must nibble around the edges to give the appearance of doing
something.



1 comment, most recent 2 months ago


YOU HAVEN’T VOTED YET? CHECK OUT THIS IDEA FOR ONE OF YOUR VOTES.

By John Servais • On Aug 05, 2024



Why a vote for Jason Call for Congress is a good vote for conservatives,
liberals, Democrats and Republicans. Yes, an unusual idea.






MORAL INJURY LINKS MEDICARE ADVANTAGE PHYSICIANS TO COMBAT VETERANS

By Dick Conoboy • On Jun 16, 2024



Morally significant double binds force doctors and combat soldiers into
identical life and death quandaries, damaging their moral centers. To these two
groups we can also add law enforcement officers.



4 comments, most recent 3 months ago


OVER A HALF TRILLION DOLLARS STOLEN FROM MEDICARE - SEN. PATTY MURRAY IS OK WITH
THAT

By Dick Conoboy • On Jun 14, 2024



It is time to stop the “Real Steal” from Medicare.



3 comments, most recent 3 months ago


NOOKSACK ADJUDICATION VS. STATE WATER LAW?

By Eric Hirst • On Jun 14, 2024



Eric Hirst gives us a brief and clear explanation of the water adjudication
process that is beginning now in Whatcom County



3 comments, most recent 2 months ago


THE SCRAP HEAP - THE REAL MESSAGE

By David Netboy • On Jun 12, 2024



Aggressive citizen involvement carried the day.



5 comments, most recent 3 months ago


THE WEALTH OF REAL ESTATE CORPORATIONS IS NOT OUR PURPOSE FOR BEING

By Guest Writer • On Jun 11, 2024



Build-for-profit, incarceration-inspired housing is destroying our souls.



11 comments, most recent 3 weeks ago


ALL REMAINING ABC SCRAP METAL IS ON SHIP

By John Servais • On Jun 10, 2024



The last of the scrap metal is loaded on the ship and it will be gone from our
town.



1 comment, most recent 4 months ago


A WALKING TOUR AT THE CORE OF THE EXPLOSION

By John Servais • On Jun 10, 2024



A 54-photo tour of the ruptured pipe area of the Whatcom Creek explosion taken
in July 1999.



1 comment, most recent 4 months ago


THE AUDIO OF THE PIPELINE EXPLOSION

By John Servais • On Jun 08, 2024



Below is an audio tape of 911 calls, emergency responders’ radio communications,
and local radio coverage from June 10, 1999 when Whatcom Creek exploded in
Bellingham



2 comments, most recent 4 months ago


COURT PROCESS FOR DEFINING WHATCOM WATER RIGHTS BEGINS

By Guest Writer • On Jun 03, 2024



Whatcom County’s confusing water rights will be defined by court proceedings
beginning now



1 comment, most recent 4 months ago


MEMORIAL DAY 2024 - REMEMBERING MY FRIENDS

By Dick Conoboy • On May 25, 2024



If not killed-in-action, they are still dying from the effects of their service
in Vietnam.



7 comments, most recent 4 months ago


MORE BROADBANDWASHING AND ANTI-VOTER SECRECY

By Jon Humphrey • On May 25, 2024



The foam of secrecy hides all.






WATER RIGHTS

By Tip Johnson • On May 02, 2024



Local presentations scheduled on a reasonable use framework for water resource
management






A RESOLUTION TO MAKE SURE NOTHING GETS DONE

By Jon Humphrey • On Apr 09, 2024



Broadband-Washing: Greenwashing the Internet



6 comments, most recent 6 months ago


MOVING BACK FROM THE BRINK

By Gene Marx • On Apr 05, 2024



Pacific Northwest organizers join a global campaign to abolish all nukes and
push for a city council resolution to start



4 comments, most recent 5 months ago


MEDICARE (DIS)ADVANTAGE - EVEN HOSPITALS DON’T LIKE IT.

By Dick Conoboy • On Mar 31, 2024



If the hospitals are smelling a rat, so should Medicare (Dis)Advantage victims
(AKA enrollees).



2 comments, most recent 4 months ago


THE $5 TRILLION NATIONAL INFRASTRUCTURE BANK IS LOOKING BETTER EVERY DAY

By Dick Conoboy • On Mar 27, 2024



With such a bank in place, we would likely not be scrambling around and asking
Congress for rebuild monies, as we are now with the catastrophic event involving
the Francis Scott Key bridge on March 26, 2024.





1 of 133 pages  1 2 3 >  Last ›


RECENT: ARTICLES COMMENTS

Get the NWCitizen Newsletter


THE DISTURBING DISAPPEARANCE OF LOCAL BANKS

By Guest Writer • On Sep 19, 2024

The top 20% of commercial banks in the United States control 95% of our total
banking assets. Remember “Too-Big-to-Fail”?

3 comments, most recent 3 weeks ago


HOW TO GET NOTHING DONE

By Jon Humphrey • On Aug 24, 2024

The City has created another useless document ensuring nothing changes and
mediocre communication services are protected.

13 comments, most recent 2 weeks ago


YOU HAVEN’T VOTED YET? CHECK OUT THIS IDEA FOR ONE OF YOUR VOTES.

By John Servais • On Aug 05, 2024

Why a vote for Jason Call for Congress is a good vote for conservatives,
liberals, Democrats and Republicans. Yes, an unusual idea.


FIRST MURRAY. NOW LARSEN. HALF TRILLION DOLLAR THEFT FROM MEDICARE: NOT AN
ISSUE.

By Dick Conoboy • On Jul 27, 2024

Heaven forbid our reps should attack the main problem, Medicare Advantage, head
on. But no. They must nibble around the edges to give the appearance of doing
something.

1 comment, most recent 2 months ago


MORAL INJURY LINKS MEDICARE ADVANTAGE PHYSICIANS TO COMBAT VETERANS

By Dick Conoboy • On Jun 16, 2024

Morally significant double binds force doctors and combat soldiers into
identical life and death quandaries, damaging their moral centers. To these two
groups we can also add law enforcement officers.

4 comments, most recent 3 months ago


OVER A HALF TRILLION DOLLARS STOLEN FROM MEDICARE - SEN. PATTY MURRAY IS OK WITH
THAT

By Dick Conoboy • On Jun 14, 2024

It is time to stop the “Real Steal” from Medicare.

3 comments, most recent 3 months ago


NOOKSACK ADJUDICATION VS. STATE WATER LAW?

By Eric Hirst • On Jun 14, 2024

Eric Hirst gives us a brief and clear explanation of the water adjudication
process that is beginning now in Whatcom County

3 comments, most recent 2 months ago


THE SCRAP HEAP - THE REAL MESSAGE

By David Netboy • On Jun 12, 2024

Aggressive citizen involvement carried the day.

5 comments, most recent 3 months ago


THE WEALTH OF REAL ESTATE CORPORATIONS IS NOT OUR PURPOSE FOR BEING

By Guest Writer • On Jun 11, 2024

Build-for-profit, incarceration-inspired housing is destroying our souls.

11 comments, most recent 3 weeks ago


ALL REMAINING ABC SCRAP METAL IS ON SHIP

By John Servais • On Jun 10, 2024

1:02pm — The last of the scrap metal is loaded on the ship and it will be gone
from our town.

1 comment, most recent 4 months ago


A WALKING TOUR AT THE CORE OF THE EXPLOSION

By John Servais • On Jun 10, 2024

A 54-photo tour of the ruptured pipe area of the Whatcom Creek explosion taken
in July 1999.

1 comment, most recent 4 months ago


THE AUDIO OF THE PIPELINE EXPLOSION

By John Servais • On Jun 08, 2024

7:09pm — Below is an audio tape of 911 calls, emergency responders’ radio
communications, and local radio coverage from June 10, 1999 when Whatcom Creek
exploded in Bellingham

2 comments, most recent 4 months ago


COURT PROCESS FOR DEFINING WHATCOM WATER RIGHTS BEGINS

By Guest Writer • On Jun 03, 2024

Whatcom County’s confusing water rights will be defined by court proceedings
beginning now

1 comment, most recent 4 months ago


MEMORIAL DAY 2024 - REMEMBERING MY FRIENDS

By Dick Conoboy • On May 25, 2024

If not killed-in-action, they are still dying from the effects of their service
in Vietnam.

7 comments, most recent 4 months ago


MORE BROADBANDWASHING AND ANTI-VOTER SECRECY

By Jon Humphrey • On May 25, 2024

The foam of secrecy hides all.


WATER RIGHTS

By Tip Johnson • On May 02, 2024

Local presentations scheduled on a reasonable use framework for water resource
management


A RESOLUTION TO MAKE SURE NOTHING GETS DONE

By Jon Humphrey • On Apr 09, 2024

Broadband-Washing: Greenwashing the Internet

6 comments, most recent 6 months ago


MOVING BACK FROM THE BRINK

By Gene Marx • On Apr 05, 2024

Pacific Northwest organizers join a global campaign to abolish all nukes and
push for a city council resolution to start

4 comments, most recent 5 months ago


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By Dick Conoboy • On Mar 31, 2024

If the hospitals are smelling a rat, so should Medicare (Dis)Advantage victims
(AKA enrollees).

2 comments, most recent 4 months ago


THE $5 TRILLION NATIONAL INFRASTRUCTURE BANK IS LOOKING BETTER EVERY DAY

By Dick Conoboy • On Mar 27, 2024

With such a bank in place, we would likely not be scrambling around and asking
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By John Servais • On Mar 25, 2024

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5 comments, most recent 6 months ago


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By Jon Humphrey • On Mar 18, 2024

No public fiber means we can’t compete with big telecom. EVER.

4 comments, most recent 6 months ago


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By Guest Writer • On Feb 25, 2024

Crappier coverage for us, even more money for insurance companies.

3 comments, most recent 7 months ago


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By Dianne Foster • On Feb 09, 2024

Who benefits? Palestinians are being slaughtered. Genocide. Gaza is being
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The Port Commission has decreed that Bellingham’s waterfront will remain a
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6 comments, most recent 9 months ago


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By David Netboy • On Dec 26, 2023

We needed a hook, and we think we found it.

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"Sweet Jesus,” shrieked the thralls of the Sehomus Republic,as ABC the
Yochlowitz,successor to GorgoPacificus the Destroyer,...

3 comments, most recent 10 months ago


JUST WHAT WE NEED - A BANK IN FAIRHAVEN

By Dick Conoboy • On Dec 05, 2023

Peoples Bank proposes to tear down the once popular Zane Burger restaurant to
build a branch office.

3 comments, most recent 10 months ago


CHUTZPAH REDEFINED - CALL FOR CITIZEN POLICING OF MEDICARE ADVANTAGE

By Dick Conoboy • On Dec 02, 2023

Biden administration is asking the public to report on bogus advertising claims
of Medicare Advantage providers.

7 comments, most recent 10 months ago


ALERT ON DEVELOPMENT PROPOSAL: 2706 MILL AVENUE

By Guest Writer • On Nov 30, 2023

15 new townhouses, out-of-town developer, build-and-run, in south side Happy
Valley neighborhood of Bellingham.

2 comments, most recent 10 months ago


ABC RECYCLING MEETS THE PUBLIC

By Guest Writer • On Nov 28, 2023

Tuesday, Dec, 5, will be the first time ABC Recycling has agreed to answer the
public. Don’t miss this meeting. Here are the issues.

6 comments, most recent 10 months ago


DON’T BE MANIPULATED BY MISLEADING DATA

By David A. Swanson • On Nov 19, 2023

The effect of WWU students on Whatcom County’s rental housing market

5 comments, most recent 10 months ago


SCAMMING OUR VETERANS

By Dick Conoboy • On Nov 17, 2023

There seems to be no barrier to the depths to which scammers will go to steal
money from the most vulnerable or deserving.


SOME THOUGHTS ON VETERANS DAY 2023

By Dick Conoboy • On Nov 10, 2023

Merely musing about soldiers.

4 comments, most recent 11 months ago


THANKS TO THE CITY OF BELLINGHAM

By Jon Humphrey • On Nov 09, 2023

The city comes through on public wi-fi hotspots

1 comment, most recent 11 months ago


THOUGHTS OF A BELLINGHAM RENTER

By Guest Writer • On Nov 08, 2023

An insider’s view of rental inspections in Bellingham as experienced by a
long-time renter.

5 comments, most recent 11 months ago


VOTE YES ON JAIL TAX - A PERSONAL VIEW

By Guest Writer • On Nov 04, 2023

It is time to stop the injustices that have been propagated over the years.

6 comments, most recent 11 months ago


RETIREES WITH FEDERAL EMPLOYEE HEALTH CARE - BEWARE OF OFFERS TO SWITCH DRUG
COVERAGE

By Dick Conoboy • On Nov 04, 2023

Getting a letter that declares, “An exciting new prescription drug benefit for
you!” should activate your BS detector.

7 comments, most recent 9 months ago


NO THIRD JAIL TAX

By Tip Johnson • On Oct 31, 2023

Who benefits?

3 comments, most recent 11 months ago


CANDIDATE STATEMENT: JACE COTTON FOR BELLINGHAM COUNCIL

By Candidate • On Oct 31, 2023

At Large position on the Bellngham City Council


THE DECLINE OF BELLINGHAM

By Doug Karlberg • On Oct 31, 2023

Is this a good place to live? Do you feel safe? Can you afford it? Are too many
of us living on the streets? Doug Karlberg has some ideas.


HANNAH ORDOS FOR COUNTY COUNCIL

By John Servais • On Oct 27, 2023

Why a Liberal is voting for a Conservative for the Whatcom County Council

14 comments, most recent 11 months ago


IS HYDROGEN THE ANSWER?

By Jon Humphrey • On Oct 26, 2023

The truth is out there; Jon Humphrey has researched the issues and concisely
compiled the results.

5 comments, most recent 11 months ago


CANDIDATE STATEMENT: LIZ DARROW FOR BELLINGHAM COUNCIL

By Candidate • On Oct 19, 2023

Ward 3 position on the Bellingham City Council


MEMORIAL EVENT FOR WENDY HARRIS

By Dick Conoboy • On Oct 19, 2023

Wendy was an intrepid voice for the environment and the humane treatment of
animals. May her memory be for a blessing.

3 comments, most recent 11 months ago


CANDIDATE STATEMENT: DONNELL ‘TANK’ TANKSLEY FOR SHERIFF

By Candidate • On Oct 19, 2023

Whatcom County Sheriff is elected by all county voters, including those in
Bellingham, Ferndale and other towns.


SIGNING ON TO MEDICARE ADVANTAGE?  DON’T!

By Dick Conoboy • On Oct 18, 2023

Or at least, take a moment to learn about the privatization of Medicare,
commonly called Medicare [Dis]Advantage.

1 comment, most recent 11 months ago


HOUSING: PROBLEMS AND SOLUTIONS

By Guest Writer • On Oct 15, 2023

An in-depth look at local housing: insightful, researched, and provocative.

5 comments, most recent 11 months ago


CANDIDATE STATEMENT: DOUG CHADWICK FOR WHATCOM COUNTY SHERIFF

By Candidate • On Oct 02, 2023

Whatcom County Sheriff voted on by registered voters in Whatcom County


THE HAZARDS OF METAL SHREDDING NEAR BELLINGHAM: CANCER, POLLUTION AND FIRE

By Guest Writer • On Oct 02, 2023

The passage of time alone will not save Bellingham from this dangerous
situation. Only strong and persistent action on the part of its citizens will be
effective against this menace.

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