Thrift involvement in commercial and industrial lending

How important a role do thrift institutions play in local banking market competition? This article looks at a key aspect of that issue by examining the commercial and industrial lending of commercial banks and thrifts during the 1990s. Generally, thrifts were far less involved in C&I lending than banks during the period, but their involvement varied considerably with such factors as local deposit market concentration and institution size, charter type, and ownership status.