Only three new banks opened since 2010

According to historical trend data released by the Federal Deposit Insurance Corp., only three new U.S. banks have opened since 2010. Prior to the financial crisis, over 100 banks opened annually.

Although economists at the Federal Reserve estimate 75 percent to 80 percent of the drop isn’t tied to regulation, Dodd-Frank rules enacted in 2010 imposed new guidelines making it harder for banks to turn a profit.

Important aspects of the new rules include a requirement that banks have more capital at hand to deal with a crisis and place more restrictions on lending. Coupled with interest rates kept at nearly 0 percent by the Fed, analysts call the investment a hard sell, according to CNNMoney.

The number of bank branches opened per year also has declined. From 1990 to 2007, banks opened an average of 500 news branches a year. That has dropped off to around 300 per year since 2010.

Read more from CNNMoney.