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HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. 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Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:AL:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:AL","fromKind":"geography","fromLabel":"Alabama","fromHref":"/geographies/alabama","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. 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HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. 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Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:AZ:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:AZ","fromKind":"geography","fromLabel":"Arizona","fromHref":"/geographies/arizona","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:AZ:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:AZ","fromKind":"geography","fromLabel":"Arizona","fromHref":"/geographies/arizona","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. 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Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:CA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:CA","fromKind":"geography","fromLabel":"California","fromHref":"/geographies/california","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:CA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:CA","fromKind":"geography","fromLabel":"California","fromHref":"/geographies/california","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. 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Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:CO:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:CO","fromKind":"geography","fromLabel":"Colorado","fromHref":"/geographies/colorado","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Colorado (CO) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:CO:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:CO","fromKind":"geography","fromLabel":"Colorado","fromHref":"/geographies/colorado","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. 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HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:DE:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:DE","fromKind":"geography","fromLabel":"Delaware","fromHref":"/geographies/delaware","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Delaware (DE) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:DE:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:DE","fromKind":"geography","fromLabel":"Delaware","fromHref":"/geographies/delaware","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:DE:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:DE","fromKind":"geography","fromLabel":"Delaware","fromHref":"/geographies/delaware","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:FL:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:FL","fromKind":"geography","fromLabel":"Florida","fromHref":"/geographies/florida","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Florida (FL) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:FL:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:FL","fromKind":"geography","fromLabel":"Florida","fromHref":"/geographies/florida","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:FL:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:FL","fromKind":"geography","fromLabel":"Florida","fromHref":"/geographies/florida","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:GA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:GA","fromKind":"geography","fromLabel":"Georgia","fromHref":"/geographies/georgia","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Georgia (GA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:GA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:GA","fromKind":"geography","fromLabel":"Georgia","fromHref":"/geographies/georgia","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:GA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:GA","fromKind":"geography","fromLabel":"Georgia","fromHref":"/geographies/georgia","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:HI:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:HI","fromKind":"geography","fromLabel":"Hawaii","fromHref":"/geographies/hawaii","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Hawaii (HI) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:HI:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:HI","fromKind":"geography","fromLabel":"Hawaii","fromHref":"/geographies/hawaii","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:HI:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:HI","fromKind":"geography","fromLabel":"Hawaii","fromHref":"/geographies/hawaii","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:IA","fromKind":"geography","fromLabel":"Iowa","fromHref":"/geographies/iowa","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Iowa (IA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:IA","fromKind":"geography","fromLabel":"Iowa","fromHref":"/geographies/iowa","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:IA","fromKind":"geography","fromLabel":"Iowa","fromHref":"/geographies/iowa","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ID:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:ID","fromKind":"geography","fromLabel":"Idaho","fromHref":"/geographies/idaho","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Idaho (ID) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ID:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:ID","fromKind":"geography","fromLabel":"Idaho","fromHref":"/geographies/idaho","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ID:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:ID","fromKind":"geography","fromLabel":"Idaho","fromHref":"/geographies/idaho","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IL:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:IL","fromKind":"geography","fromLabel":"Illinois","fromHref":"/geographies/illinois","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Illinois (IL) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IL:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:IL","fromKind":"geography","fromLabel":"Illinois","fromHref":"/geographies/illinois","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IL:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:IL","fromKind":"geography","fromLabel":"Illinois","fromHref":"/geographies/illinois","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IN:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:IN","fromKind":"geography","fromLabel":"Indiana","fromHref":"/geographies/indiana","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Indiana (IN) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IN:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:IN","fromKind":"geography","fromLabel":"Indiana","fromHref":"/geographies/indiana","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:IN:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:IN","fromKind":"geography","fromLabel":"Indiana","fromHref":"/geographies/indiana","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KS:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:KS","fromKind":"geography","fromLabel":"Kansas","fromHref":"/geographies/kansas","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Kansas (KS) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KS:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:KS","fromKind":"geography","fromLabel":"Kansas","fromHref":"/geographies/kansas","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KS:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:KS","fromKind":"geography","fromLabel":"Kansas","fromHref":"/geographies/kansas","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KY:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:KY","fromKind":"geography","fromLabel":"Kentucky","fromHref":"/geographies/kentucky","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Kentucky (KY) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KY:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:KY","fromKind":"geography","fromLabel":"Kentucky","fromHref":"/geographies/kentucky","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:KY:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:KY","fromKind":"geography","fromLabel":"Kentucky","fromHref":"/geographies/kentucky","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:LA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:LA","fromKind":"geography","fromLabel":"Louisiana","fromHref":"/geographies/louisiana","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Louisiana (LA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:LA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:LA","fromKind":"geography","fromLabel":"Louisiana","fromHref":"/geographies/louisiana","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:LA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:LA","fromKind":"geography","fromLabel":"Louisiana","fromHref":"/geographies/louisiana","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MA","fromKind":"geography","fromLabel":"Massachusetts","fromHref":"/geographies/massachusetts","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Massachusetts (MA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MA","fromKind":"geography","fromLabel":"Massachusetts","fromHref":"/geographies/massachusetts","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MA","fromKind":"geography","fromLabel":"Massachusetts","fromHref":"/geographies/massachusetts","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MD:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MD","fromKind":"geography","fromLabel":"Maryland","fromHref":"/geographies/maryland","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Maryland (MD) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MD:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MD","fromKind":"geography","fromLabel":"Maryland","fromHref":"/geographies/maryland","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MD:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MD","fromKind":"geography","fromLabel":"Maryland","fromHref":"/geographies/maryland","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ME:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:ME","fromKind":"geography","fromLabel":"Maine","fromHref":"/geographies/maine","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Maine (ME) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ME:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:ME","fromKind":"geography","fromLabel":"Maine","fromHref":"/geographies/maine","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ME:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:ME","fromKind":"geography","fromLabel":"Maine","fromHref":"/geographies/maine","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MI:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MI","fromKind":"geography","fromLabel":"Michigan","fromHref":"/geographies/michigan","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Michigan (MI) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MI:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MI","fromKind":"geography","fromLabel":"Michigan","fromHref":"/geographies/michigan","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MI:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MI","fromKind":"geography","fromLabel":"Michigan","fromHref":"/geographies/michigan","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MN:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MN","fromKind":"geography","fromLabel":"Minnesota","fromHref":"/geographies/minnesota","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Minnesota (MN) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MN:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MN","fromKind":"geography","fromLabel":"Minnesota","fromHref":"/geographies/minnesota","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MN:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MN","fromKind":"geography","fromLabel":"Minnesota","fromHref":"/geographies/minnesota","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MO:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MO","fromKind":"geography","fromLabel":"Missouri","fromHref":"/geographies/missouri","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Missouri (MO) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MO:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MO","fromKind":"geography","fromLabel":"Missouri","fromHref":"/geographies/missouri","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MO:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MO","fromKind":"geography","fromLabel":"Missouri","fromHref":"/geographies/missouri","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MS:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MS","fromKind":"geography","fromLabel":"Mississippi","fromHref":"/geographies/mississippi","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Mississippi (MS) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MS:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MS","fromKind":"geography","fromLabel":"Mississippi","fromHref":"/geographies/mississippi","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MS:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MS","fromKind":"geography","fromLabel":"Mississippi","fromHref":"/geographies/mississippi","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MT:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:MT","fromKind":"geography","fromLabel":"Montana","fromHref":"/geographies/montana","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Montana (MT) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MT:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:MT","fromKind":"geography","fromLabel":"Montana","fromHref":"/geographies/montana","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:MT:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:MT","fromKind":"geography","fromLabel":"Montana","fromHref":"/geographies/montana","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NC:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NC","fromKind":"geography","fromLabel":"North Carolina","fromHref":"/geographies/north-carolina","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"North Carolina (NC) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NC:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NC","fromKind":"geography","fromLabel":"North Carolina","fromHref":"/geographies/north-carolina","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NC:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NC","fromKind":"geography","fromLabel":"North Carolina","fromHref":"/geographies/north-carolina","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ND:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:ND","fromKind":"geography","fromLabel":"North Dakota","fromHref":"/geographies/north-dakota","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"North Dakota (ND) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ND:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:ND","fromKind":"geography","fromLabel":"North Dakota","fromHref":"/geographies/north-dakota","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:ND:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:ND","fromKind":"geography","fromLabel":"North Dakota","fromHref":"/geographies/north-dakota","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NE:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NE","fromKind":"geography","fromLabel":"Nebraska","fromHref":"/geographies/nebraska","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Nebraska (NE) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NE:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NE","fromKind":"geography","fromLabel":"Nebraska","fromHref":"/geographies/nebraska","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NE:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NE","fromKind":"geography","fromLabel":"Nebraska","fromHref":"/geographies/nebraska","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NH:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NH","fromKind":"geography","fromLabel":"New Hampshire","fromHref":"/geographies/new-hampshire","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"New Hampshire (NH) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NH:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NH","fromKind":"geography","fromLabel":"New Hampshire","fromHref":"/geographies/new-hampshire","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NH:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NH","fromKind":"geography","fromLabel":"New Hampshire","fromHref":"/geographies/new-hampshire","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NJ:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NJ","fromKind":"geography","fromLabel":"New Jersey","fromHref":"/geographies/new-jersey","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"New Jersey (NJ) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NJ:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NJ","fromKind":"geography","fromLabel":"New Jersey","fromHref":"/geographies/new-jersey","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NJ:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NJ","fromKind":"geography","fromLabel":"New Jersey","fromHref":"/geographies/new-jersey","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NM:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NM","fromKind":"geography","fromLabel":"New Mexico","fromHref":"/geographies/new-mexico","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"New Mexico (NM) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NM:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NM","fromKind":"geography","fromLabel":"New Mexico","fromHref":"/geographies/new-mexico","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NM:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NM","fromKind":"geography","fromLabel":"New Mexico","fromHref":"/geographies/new-mexico","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NV:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NV","fromKind":"geography","fromLabel":"Nevada","fromHref":"/geographies/nevada","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Nevada (NV) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NV:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NV","fromKind":"geography","fromLabel":"Nevada","fromHref":"/geographies/nevada","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NV:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NV","fromKind":"geography","fromLabel":"Nevada","fromHref":"/geographies/nevada","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NY:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:NY","fromKind":"geography","fromLabel":"New York","fromHref":"/geographies/new-york","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"New York (NY) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NY:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:NY","fromKind":"geography","fromLabel":"New York","fromHref":"/geographies/new-york","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:NY:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:NY","fromKind":"geography","fromLabel":"New York","fromHref":"/geographies/new-york","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OH:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:OH","fromKind":"geography","fromLabel":"Ohio","fromHref":"/geographies/ohio","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Ohio (OH) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OH:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:OH","fromKind":"geography","fromLabel":"Ohio","fromHref":"/geographies/ohio","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OH:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:OH","fromKind":"geography","fromLabel":"Ohio","fromHref":"/geographies/ohio","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OK:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:OK","fromKind":"geography","fromLabel":"Oklahoma","fromHref":"/geographies/oklahoma","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Oklahoma (OK) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OK:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:OK","fromKind":"geography","fromLabel":"Oklahoma","fromHref":"/geographies/oklahoma","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OK:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:OK","fromKind":"geography","fromLabel":"Oklahoma","fromHref":"/geographies/oklahoma","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OR:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:OR","fromKind":"geography","fromLabel":"Oregon","fromHref":"/geographies/oregon","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Oregon (OR) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OR:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:OR","fromKind":"geography","fromLabel":"Oregon","fromHref":"/geographies/oregon","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:OR:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:OR","fromKind":"geography","fromLabel":"Oregon","fromHref":"/geographies/oregon","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:PA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:PA","fromKind":"geography","fromLabel":"Pennsylvania","fromHref":"/geographies/pennsylvania","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Pennsylvania (PA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:PA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:PA","fromKind":"geography","fromLabel":"Pennsylvania","fromHref":"/geographies/pennsylvania","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:PA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:PA","fromKind":"geography","fromLabel":"Pennsylvania","fromHref":"/geographies/pennsylvania","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:RI:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:RI","fromKind":"geography","fromLabel":"Rhode Island","fromHref":"/geographies/rhode-island","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Rhode Island (RI) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:RI:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:RI","fromKind":"geography","fromLabel":"Rhode Island","fromHref":"/geographies/rhode-island","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:RI:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:RI","fromKind":"geography","fromLabel":"Rhode Island","fromHref":"/geographies/rhode-island","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SC:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:SC","fromKind":"geography","fromLabel":"South Carolina","fromHref":"/geographies/south-carolina","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"South Carolina (SC) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SC:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:SC","fromKind":"geography","fromLabel":"South Carolina","fromHref":"/geographies/south-carolina","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SC:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:SC","fromKind":"geography","fromLabel":"South Carolina","fromHref":"/geographies/south-carolina","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SD:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:SD","fromKind":"geography","fromLabel":"South Dakota","fromHref":"/geographies/south-dakota","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"South Dakota (SD) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SD:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:SD","fromKind":"geography","fromLabel":"South Dakota","fromHref":"/geographies/south-dakota","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:SD:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:SD","fromKind":"geography","fromLabel":"South Dakota","fromHref":"/geographies/south-dakota","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TN:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:TN","fromKind":"geography","fromLabel":"Tennessee","fromHref":"/geographies/tennessee","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Tennessee (TN) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TN:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:TN","fromKind":"geography","fromLabel":"Tennessee","fromHref":"/geographies/tennessee","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TN:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:TN","fromKind":"geography","fromLabel":"Tennessee","fromHref":"/geographies/tennessee","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TX:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:TX","fromKind":"geography","fromLabel":"Texas","fromHref":"/geographies/texas","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Texas (TX) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TX:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:TX","fromKind":"geography","fromLabel":"Texas","fromHref":"/geographies/texas","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:TX:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:TX","fromKind":"geography","fromLabel":"Texas","fromHref":"/geographies/texas","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:UT:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:UT","fromKind":"geography","fromLabel":"Utah","fromHref":"/geographies/utah","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Utah (UT) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:UT:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:UT","fromKind":"geography","fromLabel":"Utah","fromHref":"/geographies/utah","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:UT:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:UT","fromKind":"geography","fromLabel":"Utah","fromHref":"/geographies/utah","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:VA","fromKind":"geography","fromLabel":"Virginia","fromHref":"/geographies/virginia","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Virginia (VA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:VA","fromKind":"geography","fromLabel":"Virginia","fromHref":"/geographies/virginia","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:VA","fromKind":"geography","fromLabel":"Virginia","fromHref":"/geographies/virginia","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VT:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:VT","fromKind":"geography","fromLabel":"Vermont","fromHref":"/geographies/vermont","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Vermont (VT) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VT:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:VT","fromKind":"geography","fromLabel":"Vermont","fromHref":"/geographies/vermont","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:VT:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:VT","fromKind":"geography","fromLabel":"Vermont","fromHref":"/geographies/vermont","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WA:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:WA","fromKind":"geography","fromLabel":"Washington","fromHref":"/geographies/washington","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Washington (WA) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WA:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:WA","fromKind":"geography","fromLabel":"Washington","fromHref":"/geographies/washington","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WA:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:WA","fromKind":"geography","fromLabel":"Washington","fromHref":"/geographies/washington","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WI:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:WI","fromKind":"geography","fromLabel":"Wisconsin","fromHref":"/geographies/wisconsin","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Wisconsin (WI) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WI:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:WI","fromKind":"geography","fromLabel":"Wisconsin","fromHref":"/geographies/wisconsin","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WI:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:WI","fromKind":"geography","fromLabel":"Wisconsin","fromHref":"/geographies/wisconsin","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WV:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:WV","fromKind":"geography","fromLabel":"West Virginia","fromHref":"/geographies/west-virginia","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"West Virginia (WV) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WV:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:WV","fromKind":"geography","fromLabel":"West Virginia","fromHref":"/geographies/west-virginia","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WV:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:WV","fromKind":"geography","fromLabel":"West Virginia","fromHref":"/geographies/west-virginia","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WY:census-business-formation-2026","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State formation series","fromId":"geography:WY","fromKind":"geography","fromLabel":"Wyoming","fromHref":"/geographies/wyoming","toId":"source:census-business-formation-2026","toKind":"source","toLabel":"July 2026 Business Formation Statistics","toHref":"/sources/census-business-formation-2026","evidenceLabel":"U.S. Census Bureau / July 2026 Business Formation Statistics","evidenceDetail":"Wyoming (WY) monthly Census BFS series; selected EIN applications and projected formations remain distinct from observed operating firms.","sourceId":"census-business-formation-2026","sourceUrl":"https://www.census.gov/econ/bfs/current/index.html","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WY:fdic-sod-2025","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State deposit screen","fromId":"geography:WY","fromKind":"geography","fromLabel":"Wyoming","fromHref":"/geographies/wyoming","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"geography-source:WY:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"geography_source","relationshipLabel":"State insurance screen","fromId":"geography:WY","fromKind":"geography","fromLabel":"Wyoming","fromHref":"/geographies/wyoming","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A state source edge records custody only. Business applications, insurance HHI, and branch-deposit HHI remain separate and do not form an economy score or legal market."},{"id":"indicator-source:county-bank-deposit-hhi:fdic-sod-2025","layer":"measurement","relationshipType":"indicator_source","relationshipLabel":"Indicator source custody","fromId":"indicator:county-bank-deposit-hhi","fromKind":"indicator","fromLabel":"County bank-deposit HHI","fromHref":"/indicators/county-bank-deposit-hhi","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped 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June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A source link records indicator custody and does not extend the source beyond its stated universe, period, or unit."},{"id":"indicator-source:state-bank-deposit-hhi:fdic-sod-2025","layer":"measurement","relationshipType":"indicator_source","relationshipLabel":"Indicator source custody","fromId":"indicator:state-bank-deposit-hhi","fromKind":"indicator","fromLabel":"State bank-deposit 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HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A source link records indicator custody and does not extend the source beyond its stated universe, period, or unit."},{"id":"indicator-source:state-health-leader-share:kff-individual-insurance-market-2024","layer":"measurement","relationshipType":"indicator_source","relationshipLabel":"Indicator source custody","fromId":"indicator:state-health-leader-share","fromKind":"indicator","fromLabel":"State leading-insurer share","fromHref":"/indicators/state-health-leader-share","toId":"source:kff-individual-insurance-market-2024","toKind":"source","toLabel":"Individual Insurance Market Competition (HHI by state)","toHref":"/sources/kff-individual-insurance-market-2024","evidenceLabel":"KFF / Individual Insurance Market Competition (HHI by state)","evidenceDetail":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","sourceId":"kff-individual-insurance-market-2024","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A source link records indicator custody and does not extend the source beyond its stated universe, period, or unit."},{"id":"local-geography-scope:01001:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01001","fromKind":"geography","fromLabel":"Autauga, AL","fromHref":"/geographies/banking/01001","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Autauga (01001) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. The relationship does not define a legal geographic market, make county and statewide measures interchangeable, allocate values, establish causation, or support a composite score."},{"id":"local-geography-scope:01003:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01003","fromKind":"geography","fromLabel":"Baldwin, AL","fromHref":"/geographies/banking/01003","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Baldwin (01003) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. The relationship does not define a legal geographic market, make county and statewide measures interchangeable, allocate values, establish causation, or support a composite score."},{"id":"local-geography-scope:01005:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01005","fromKind":"geography","fromLabel":"Barbour, AL","fromHref":"/geographies/banking/01005","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Barbour (01005) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. The relationship does not define a legal geographic market, make county and statewide measures interchangeable, allocate values, establish causation, or support a composite score."},{"id":"local-geography-scope:01007:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01007","fromKind":"geography","fromLabel":"Bibb, AL","fromHref":"/geographies/banking/01007","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Bibb (01007) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. 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The relationship does not define a legal geographic market, make county and statewide measures interchangeable, allocate values, establish causation, or support a composite score."},{"id":"local-geography-scope:01011:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01011","fromKind":"geography","fromLabel":"Bullock, AL","fromHref":"/geographies/banking/01011","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Bullock (01011) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. The relationship does not define a legal geographic market, make county and statewide measures interchangeable, allocate values, establish causation, or support a composite score."},{"id":"local-geography-scope:01013:AL","layer":"measurement","relationshipType":"local_geography_scope","relationshipLabel":"State profile membership","fromId":"geography:01013","fromKind":"geography","fromLabel":"Butler, AL","fromHref":"/geographies/banking/01013","toId":"geography:AL","toKind":"geography","toLabel":"Alabama","toHref":"/geographies/alabama","evidenceLabel":"Federal Deposit Insurance Corporation / exact county FIPS and state code","evidenceDetail":"Butler (01013) carries the exact Alabama (AL) geography fields in its 2025 FDIC county row.","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A county or county-equivalent screen is linked through the exact state code in its FDIC row. 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It does not establish where customers live or compete, cover every banking product, define a legal market, or support a competitive-effects or causal claim."},{"id":"local-geography-source:40063:fdic-sod-2025","layer":"measurement","relationshipType":"local_geography_source","relationshipLabel":"Local screen source custody","fromId":"geography:40063","fromKind":"geography","fromLabel":"Hughes, OK","fromHref":"/geographies/banking/40063","toId":"source:fdic-sod-2025","toKind":"source","toLabel":"2025 Summary of Deposits","toHref":"/sources/fdic-sod-2025","evidenceLabel":"Federal Deposit Insurance Corporation / 2025 Summary of Deposits","evidenceDetail":"2025 Summary of Deposits supplies the 2025 branch, deposit, grouped-organization, leading-share, and HHI row for Hughes, OK (40063).","sourceId":"fdic-sod-2025","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","confidenceLevel":"high","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A local source edge records custody for one FDIC branch-deposit screen. 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