{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"banking-markets","screenKey":"us-county-bank-branch-deposits","screenLabel":"County FDIC-insured branch deposits","history":true,"temporalCoverage":{"firstYear":2015,"latestYear":2025,"yearCount":11},"years":[2015,2016,2017,2018,2019,2020,2021,2022,2023,2024,2025],"metricLabel":"County deposit HHI","metricUnit":"HHI (0-10,000)","summary":{"firstYear":2015,"latestYear":2025,"latestYearCountyCount":3104,"observationCount":34193,"observationsByYear":[{"countyCount":3112,"year":2015},{"countyCount":3108,"year":2016},{"countyCount":3108,"year":2017},{"countyCount":3109,"year":2018},{"countyCount":3111,"year":2019},{"countyCount":3110,"year":2020},{"countyCount":3109,"year":2021},{"countyCount":3109,"year":2022},{"countyCount":3108,"year":2023},{"countyCount":3105,"year":2024},{"countyCount":3104,"year":2025}],"yearCount":11},"source":{"accessDate":"2026-07-20","apiUrl":"https://api.fdic.gov/banks/sod?filters=YEAR%3A%5B2015%20TO%202025%5D&fields=YEAR%2CCERT%2CNAMEFULL%2CSTALPBR%2CSTNAMEBR%2CSTCNTYBR%2CCNTYNAMB%2CDEPSUMBR%2CRSSDHCR%2CNAMEHCR","confidenceLevel":"high","dataStatus":"estimated_public","id":"fdic-sod-2025","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2396,"hhi":4107,"hhiPercentile":76.2,"hhiRank":741,"leadingOrganization":"ALBANY BANCORP, INC.","leadingOrganizationSharePct":55.6,"leaderShareRank":703,"organizationCount":3,"organizationDepthRank":2340,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":48,"stateMedianHhi":3552,"stateName":"Kentucky","totalDepositsThousands":174241,"year":2017,"annualCountyCount":3108,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2370,"hhi":4127,"hhiPercentile":76.3,"hhiRank":738,"leadingOrganization":"ALBANY BANCORP, INC.","leadingOrganizationSharePct":56,"leaderShareRank":691,"organizationCount":3,"organizationDepthRank":2332,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":46,"stateMedianHhi":3565,"stateName":"Kentucky","totalDepositsThousands":186530,"year":2018,"annualCountyCount":3109,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2364,"hhi":3955,"hhiPercentile":73.8,"hhiRank":815,"leadingOrganization":"ALBANY BANCORP, INC.","leadingOrganizationSharePct":52.9,"leaderShareRank":847,"organizationCount":3,"organizationDepthRank":2320,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":49,"stateMedianHhi":3533,"stateName":"Kentucky","totalDepositsThousands":194090,"year":2019,"annualCountyCount":3111,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. 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No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2425,"hhi":3882,"hhiPercentile":70.4,"hhiRank":922,"leadingOrganization":"PINE KNOB HOLDINGS, LLC","leadingOrganizationSharePct":51.5,"leaderShareRank":986,"organizationCount":3,"organizationDepthRank":2267,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":53,"stateMedianHhi":3389,"stateName":"Kentucky","totalDepositsThousands":234926,"year":2022,"annualCountyCount":3109,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2405,"hhi":3849,"hhiPercentile":69.6,"hhiRank":947,"leadingOrganization":"PINE KNOB HOLDINGS, LLC","leadingOrganizationSharePct":51.7,"leaderShareRank":995,"organizationCount":3,"organizationDepthRank":2259,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":55,"stateMedianHhi":3395,"stateName":"Kentucky","totalDepositsThousands":237153,"year":2023,"annualCountyCount":3108,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2345,"hhi":3855,"hhiPercentile":69.4,"hhiRank":952,"leadingOrganization":"PINE KNOB HOLDINGS, LLC","leadingOrganizationSharePct":52,"leaderShareRank":966,"organizationCount":3,"organizationDepthRank":2256,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":54,"stateMedianHhi":3422,"stateName":"Kentucky","totalDepositsThousands":257683,"year":2024,"annualCountyCount":3105,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"21053","countyName":"Clinton","depositRank":2367,"hhi":3739,"hhiPercentile":67.6,"hhiRank":1007,"leadingOrganization":"PINE KNOB HOLDINGS, LLC","leadingOrganizationSharePct":49.8,"leaderShareRank":1095,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/21053","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":55,"stateMedianHhi":3385,"stateName":"Kentucky","totalDepositsThousands":256551,"year":2025,"annualCountyCount":3104,"sourceId":"fdic-sod-2025","sourceTitle":"Annual Summary of Deposits, 2015-2025","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-20","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.","methodologyHref":"/methodology#county-banking-screen","guardrail":"Annual county rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, county names, and FIPS boundaries can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth."}]}