Brian Emerson

Date of Award


Document Type

Independent Study

Degree Name

Master of Business Administration (MBA)


The U.S. banking industry has seen an unprecedented wave of merger activity over the past decade. This study provides an investigation into performance effects of bank mergers on post merger performance from both the banking industry's and bank regulators' perspectives. Using FDIC call report data from 1992 until 2004, I assembled a data set that included 3500 mergers over this time period and found that significant overall improvements in financial performance is difficult to achieve, in agreement with past research. Specific variables showed improvement, while others did not