[coachtrotz]

"Until 1995, US banks couldn't operate in more than one state"

Can you clarify what you mean? The National Bank Act was originally written in 1863.

[Animats]

See this 1994 article from the St. Louis Fed, "Going Interstate: A New Dawn For U.S. Banking"[1]

And then in 1999, even more deregulation.[2]

[1] https://www.stlouisfed.org/publications/regional-economist/j...

[2] https://www.wsws.org/en/articles/1999/11/bank-n01.html