The rise in interstate banking, in particular, fueled competition both among state regulators and between state regulators and the OCC. Mergers of banks with different state charters caused the amount of bank assets supervised by some state regulators to decline, and the amount supervised by other state regulators to increase Similarly, mergers between state-chartered and national banks caused assess- ment revenues and supervisory burden to shift between state regulators and the OCC. While the number of banks was thus declining, the aver- age asset size of the banks was increasing. Because of the regressive nature of most assess- ment schedules, this resulted in a decline of assessment revenues per dollar of assets super- vised
