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A lack of financial access, which is often an issue in many central-city U.S.neighborhoods, can be linked to higher interest rates as well as negativehealth and psychological outcomes. A number of analyses of "banking deserts"have also found these areas to be poorer and less White than other parts of thecity. While previous research has examined specific cities, or has classifiedareas by population densities, no study to date has examined a large set ofindividual cities. This study looks at 319 U.S. cities with populations greaterthan 100,000 and isolates areas with fewer than 0.318 banks per square milebased on distances from block-group centroids. The relative shares of these"deserts" appears to be independent of city population across the sample, andthere is little relationship between these shares and socioeconomic variablessuch as the poverty rate or the percentage of Black residents. One plausibleexplanation is that only a subset of many cities' poorest, least White blockgroups can be classified as banking deserts; nearby block groups with similarsocioeconomic characteristics are therefore non-deserts. Outside of theNortheast, non-desert areas tend to be poorer than deserts, suggesting thatincome- and bank-poor neighborhoods might not be as prevalent as is commonlyassumed.

Banking Deserts," City Size, and Socioeconomic Characteristics in Medium and Large U.S. Cities