Business and Economics

  • Headshot of Scott Deacle

Scott Deacle

Scott Deacle teaches courses in finance, economics, econometrics, and research methods. He also serves as Business and Economics Department Chair and advises the Ursinus College student-managed investment fund. Deacle’s research focuses on financial institutions, with past studies covering the Federal Home Loan Banks, bank ownership of real estate, the U.S. thrift industry, and pre-Civil War Illinois banks. Current projects examine the effects of the Dodd-Frank Act on community banks and, in a departure from the focus on financial institutions, whether baseball players’ performances fluctuate based on where they are in their contract cycles. 

Deacle earned a bachelors degree in history from The College of William and Mary and then worked as a reporter at newspapers in Scranton, Pa., Pittsburgh, Danville, Va., and Wake Forest, N.C. He rarely wrote about business or economics but did enjoy reading The Wall Street Journal. After six years in newspapers, Deacle entered graduate school at Temple University, where he earned his PhD in economics.

While a graduate student at Temple, he co-authored a graduate-level textbook on the design of economic mechanisms with Professor Dimitrios Diamantaras and three other graduate students. The textbook is called “A Toolbox for Mechanism Design” (Palgrave, 2011).


Business and Economics


  • B.A (History), College of William and Mary
  • M.A. (Economics), Temple University
  • Ph.D. (Economics), Temple University


Research Methods


Introduction to Finance


Intermediate Macroeconomics

Principles of Microeconomics

Principles of Macroeconomics


Research Interests

Financial institutions

Community lending

History of financial institutions

Real estate finance

Recent Work

“Federal Home Loan Bank advances and bank and thrift holding company risk: Evidence from the stock market.” With Elyas Elyasiani. (2019) Real Estate Economics.

All out, all the time? Evidence of dyanmic effort in Major League Baseball.” With Heather O’Neill. (2019) Applied Economics.

“Caught in the Headlights: Revising the Road Kill Hypothesis of Antebellum Illinois Bank Failures,” with Scott Clayman and Andrew Economopoulos. (2017) Essays in Economic & Business History. Winner, 2017 James Soltow Award for best paper in EEBH.

“Is the Dodd-Frank Act Destroying What is Left of the U.S. Thrift Industry?” (2016) Pennsylvania Economic Review,Vol. 23, Issue 2

“Cost of debt and Federal Home Loan Bank funding at U.S. bank and thrift holding companies.” With Elyas Elyasiani. (2016) Applied Economics, Vol. 48, Issue 50.