Branch Trade Area Overlap vs. Market Financial Services Product Potential

This map illustrates the trade area overlap resulting from the potential merger of two institutions. The block group classification categorizes the block groups by high to low financial services product potential (deposits, investments, and loans) and high to low branch trade area overlap. The resulting nine-category block group classification enables bank management to locate areas for potential consolidation or expansion.

Consolidation candidates would be located in areas with low financial services product potential and moderate to high trade area overlap. Expansion candidate areas would have low trade area overlap and moderate to high financial services product potential.