The credit access gap experienced by minority entrepreneurs has convinced researchers that discrimination is widespread and systematic in the small business credit market. The Small Business Administration's (SBA) guaranteed lending program was designed to respond to this credit-rationing...

From 2007 to 2010, more than 200 community banks in the United States failed. Many of these failed community banking organizations (CBOs) held less than $1 billion in total assets. As economic conditions worsen, banking organizations are expected to preserve capital to withstand unexpected...