... Charts 3-5, the size categories are not adjusted for inflation and are basedon the size of the bank rather than the size of the banking organization. 6An alternative measure of profitability ... December.Berger, Allen N., and Gregory F. Udell. 1998. The Economics of Small BusinessFinance: The Roles of Private Equity and Debt Markets in the FinancialGrowth Cycle,” Journal of Banking and Finance, ... percent of banking offices,19 percent of bank deposits, 16 percent of bank loans, and 15 percent of bank assets. The reason community banks hold a smaller share of bank assets and loans than of bank...