Notes on "Credit market freedom and cost efficiency in US state banking" (by Chortareas, Georgios ; Kapetanios, George ; Ventouri, Alexia)

Credit market freedom and cost efficiency in US state banking 
Chortareas, Georgios ; Kapetanios, George ; Ventouri, Alexia 
Journal of Empirical Finance, June 2016, Vol.37, pp.173-185 [Peer Reviewed Journal]

1987-2012
cost efficiency scoring
banks operating in states that enjoy a higher degree of economic freedom are more cost efficient
Greater independence in financial and banking markets from government controls can result in higher bank efficiency