{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"atlas","mode":"comparison","updatedThrough":"2026-08-15","guardrail":"A bilateral atlas route preserves a sequence of declared edges for navigation and audit. A direct edge, common neighbor, or multi-hop path does not make the endpoints equivalent, establish ownership or control, assign liability, define an antitrust market, make unlike measures comparable, or show causation.","filters":{"layer":"research","layerMatched":true,"left":"question:state-bank-median-hhi","leftMatched":true,"right":"topic:geographic-competition","rightMatched":true,"view":"paths"},"summary":{"nodeCount":5478,"edgeCount":19193,"sourceCount":0,"profileCount":5433,"nodeKindCount":13,"layerCount":4,"directEdgeCount":1,"disconnected":false,"eligibleEdgeCount":547,"ledgerEdgeCount":1,"leftNeighborCount":2,"pathLimitReached":false,"rightNeighborCount":17,"sharedNeighborCount":0,"shortestHopCount":1,"shortestPathCount":1},"endpoints":{"left":{"id":"question:state-bank-median-hhi","kind":"question","label":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","shortLabel":"Statewide branch-deposit...","description":"The annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points). The later branch-deposit screen is lower than the 2015 anchor. This descriptive movement does not define a legal banking market, identify a cause, or measure every banking product.","href":"/research/agenda/state-bank-median-hhi","metricLabel":"Median statewide bank-deposit HHI","metricValue":"903","detail":"Q10 / Geography / 2025","status":"decreased / estimated public","year":2025,"color":"#65a30d","searchText":"state-bank-median-hhi which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median? statewide branch-deposit screens state-bank-median-hhi median statewide bank-deposit hhi geographic structure reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence. the annual 51-jurisdiction median branch-deposit hhi moved from 958 in 2015 to 903 in 2025 (-55.0 hhi points). the later branch-deposit screen is lower than the 2015 anchor. this descriptive movement does not define a legal banking market, identify a cause, or measure every banking product. annual state and national branch-deposit rows using the same ownership-grouping and june 30 vintage rules. state-level organization, branch, leading-share, and nominal-deposit paths beneath the aggregate movement. ownership-reporting, branch-booking, entry, exit, acquisition, divestiture, and charter records for large state changes. local product and geographic evidence before treating any statewide or county screen as an antitrust market.","connectionCount":2},"right":{"id":"topic:geographic-competition","kind":"topic","label":"Geographic Competition","shortLabel":"Geographic Competition","description":"How does competitive structure vary across national, state, county, tract, route, and other local frames?","href":"/research/topics/geographic-competition","metricLabel":"Publication memberships","metricValue":"7","detail":"AR-T04 / 4 issue programs / 5 evidence lanes","status":"institutional research topic","year":2026,"color":"#ea580c","searchText":"ar-t04 geographic competition places how does competitive structure vary across national, state, county, tract, route, and other local frames? connect place-based concentration screens to their exact geography, source vintage, ownership rules, and local-market research needs. a statewide, county, tract, or national screen does not establish a legal geographic market. medians of local hhis are not interchangeable with one national hhi. area-level shares and distributions, ownership and entry histories, local prices and quality, commuting or procurement patterns, capacity, switching, and stable geographic definitions. local officials, researchers, journalists, and community advocates ar-sc-2026-01 the u.s. competition landscape ar-dn-2026-02 housing competition needs local ownership data ar-rb-2026-03 state banking structure, 2015-2025 ar-rb-2026-06 fixed broadband concentration across geographic scales, 2020-2024 ar-rb-2026-07 state individual insurance concentration, 2024 ar-ci-2026-04 geographic concentration screens point in different directions at different scales. ar-ci-2026-05 national fixed-broadband hhi rose while three geographic medians fell.","connectionCount":17}},"shortestPaths":[{"id":"path:topic-question:geographic-competition:state-bank-median-hhi","edges":[{"id":"topic-question:geographic-competition:state-bank-median-hhi","type":"topic_question","layer":"research","from":"topic:geographic-competition","to":"question:state-bank-median-hhi","label":"Declared agenda membership","detail":"Q10, Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?, is included by the exact domain or entity contract for Geographic Competition.","evidenceLabel":"Research topic agenda contract","sourceId":null,"sourceUrl":null,"confidenceLevel":"bounded","guardrail":"A topic-to-question link records one exact institutional agenda membership; it does not rank urgency, importance, evidence strength, or imply a shared finding."}],"hopCount":1,"nodes":[{"id":"question:state-bank-median-hhi","kind":"question","label":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","shortLabel":"Statewide branch-deposit...","description":"The annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points). The later branch-deposit screen is lower than the 2015 anchor. This descriptive movement does not define a legal banking market, identify a cause, or measure every banking product.","href":"/research/agenda/state-bank-median-hhi","metricLabel":"Median statewide bank-deposit HHI","metricValue":"903","detail":"Q10 / Geography / 2025","status":"decreased / estimated public","year":2025,"color":"#65a30d","searchText":"state-bank-median-hhi which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median? statewide branch-deposit screens state-bank-median-hhi median statewide bank-deposit hhi geographic structure reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence. the annual 51-jurisdiction median branch-deposit hhi moved from 958 in 2015 to 903 in 2025 (-55.0 hhi points). the later branch-deposit screen is lower than the 2015 anchor. this descriptive movement does not define a legal banking market, identify a cause, or measure every banking product. annual state and national branch-deposit rows using the same ownership-grouping and june 30 vintage rules. state-level organization, branch, leading-share, and nominal-deposit paths beneath the aggregate movement. ownership-reporting, branch-booking, entry, exit, acquisition, divestiture, and charter records for large state changes. local product and geographic evidence before treating any statewide or county screen as an antitrust market.","connectionCount":2},{"id":"topic:geographic-competition","kind":"topic","label":"Geographic Competition","shortLabel":"Geographic Competition","description":"How does competitive structure vary across national, state, county, tract, route, and other local frames?","href":"/research/topics/geographic-competition","metricLabel":"Publication memberships","metricValue":"7","detail":"AR-T04 / 4 issue programs / 5 evidence lanes","status":"institutional research topic","year":2026,"color":"#ea580c","searchText":"ar-t04 geographic competition places how does competitive structure vary across national, state, county, tract, route, and other local frames? connect place-based concentration screens to their exact geography, source vintage, ownership rules, and local-market research needs. a statewide, county, tract, or national screen does not establish a legal geographic market. medians of local hhis are not interchangeable with one national hhi. area-level shares and distributions, ownership and entry histories, local prices and quality, commuting or procurement patterns, capacity, switching, and stable geographic definitions. local officials, researchers, journalists, and community advocates ar-sc-2026-01 the u.s. competition landscape ar-dn-2026-02 housing competition needs local ownership data ar-rb-2026-03 state banking structure, 2015-2025 ar-rb-2026-06 fixed broadband concentration across geographic scales, 2020-2024 ar-rb-2026-07 state individual insurance concentration, 2024 ar-ci-2026-04 geographic concentration screens point in different directions at different scales. ar-ci-2026-05 national fixed-broadband hhi rose while three geographic medians fell.","connectionCount":17}]}],"sharedNeighbors":[],"nodes":[{"id":"question:state-bank-median-hhi","kind":"question","label":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","shortLabel":"Statewide branch-deposit...","description":"The annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points). The later branch-deposit screen is lower than the 2015 anchor. This descriptive movement does not define a legal banking market, identify a cause, or measure every banking product.","href":"/research/agenda/state-bank-median-hhi","metricLabel":"Median statewide bank-deposit HHI","metricValue":"903","detail":"Q10 / Geography / 2025","status":"decreased / estimated public","year":2025,"color":"#65a30d","searchText":"state-bank-median-hhi which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median? statewide branch-deposit screens state-bank-median-hhi median statewide bank-deposit hhi geographic structure reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence. the annual 51-jurisdiction median branch-deposit hhi moved from 958 in 2015 to 903 in 2025 (-55.0 hhi points). the later branch-deposit screen is lower than the 2015 anchor. this descriptive movement does not define a legal banking market, identify a cause, or measure every banking product. annual state and national branch-deposit rows using the same ownership-grouping and june 30 vintage rules. state-level organization, branch, leading-share, and nominal-deposit paths beneath the aggregate movement. ownership-reporting, branch-booking, entry, exit, acquisition, divestiture, and charter records for large state changes. local product and geographic evidence before treating any statewide or county screen as an antitrust market.","connectionCount":2},{"id":"topic:geographic-competition","kind":"topic","label":"Geographic Competition","shortLabel":"Geographic Competition","description":"How does competitive structure vary across national, state, county, tract, route, and other local frames?","href":"/research/topics/geographic-competition","metricLabel":"Publication memberships","metricValue":"7","detail":"AR-T04 / 4 issue programs / 5 evidence lanes","status":"institutional research topic","year":2026,"color":"#ea580c","searchText":"ar-t04 geographic competition places how does competitive structure vary across national, state, county, tract, route, and other local frames? connect place-based concentration screens to their exact geography, source vintage, ownership rules, and local-market research needs. a statewide, county, tract, or national screen does not establish a legal geographic market. medians of local hhis are not interchangeable with one national hhi. area-level shares and distributions, ownership and entry histories, local prices and quality, commuting or procurement patterns, capacity, switching, and stable geographic definitions. local officials, researchers, journalists, and community advocates ar-sc-2026-01 the u.s. competition landscape ar-dn-2026-02 housing competition needs local ownership data ar-rb-2026-03 state banking structure, 2015-2025 ar-rb-2026-06 fixed broadband concentration across geographic scales, 2020-2024 ar-rb-2026-07 state individual insurance concentration, 2024 ar-ci-2026-04 geographic concentration screens point in different directions at different scales. ar-ci-2026-05 national fixed-broadband hhi rose while three geographic medians fell.","connectionCount":17}],"rows":[{"id":"topic-question:geographic-competition:state-bank-median-hhi","layer":"research","relationshipType":"topic_question","relationshipLabel":"Declared agenda membership","fromId":"topic:geographic-competition","fromKind":"topic","fromLabel":"Geographic Competition","fromHref":"/research/topics/geographic-competition","toId":"question:state-bank-median-hhi","toKind":"question","toLabel":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","toHref":"/research/agenda/state-bank-median-hhi","evidenceLabel":"Research topic agenda contract","evidenceDetail":"Q10, Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?, is included by the exact domain or entity contract for Geographic Competition.","sourceId":null,"sourceUrl":null,"confidenceLevel":"bounded","indicatorId":null,"entityCode":null,"observationCount":null,"firstYear":null,"latestYear":null,"preferredView":null,"sourceIds":null,"guardrail":"A topic-to-question link records one exact institutional agenda membership; it does not rank urgency, importance, evidence strength, or imply a shared finding."}]}