The impact of type and size on bank performance are given by following points.

1. The profitability of bank is not determined by how it is organized; the quality of its management and the economic conditions in its market area appear to be far from important to its success.

2. Small banks of any organizational type can compete successfully with large banks, provided they aggressively seek to preserve their profits and market share. Economies of scale from bank growth appear to be limited to banks of relatively modest size.

3. Branch banks and banks affiliated with holding companies have greater protection against failure than small unit banks. They also tend to offer more services than unit banks and operate more offices per unit of population, thus providing more convenient services.

4. The prices charged and deposit interest rate paid by banks do not appear to depend greatly on how each bank is organized but rather on the amount of competition the bank faces, the strength of market demand for banking services and the rate of inflation. The public receives about the same quality of banking services and pays about the same for them under branching, holding company or independent unit banking systems.

5.The types of banking organizations serving the public do not appear to be a key factor in the growth and development of the economy,though greater branching activity seems to accelerate economic growth somewhat.