{"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2644,"hhi":5009,"hhiPercentile":83,"hhiRank":529,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":52.1,"leaderShareRank":860,"organizationCount":2,"organizationDepthRank":2671,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":32,"stateMedianHhi":3552,"stateName":"Kentucky","totalDepositsThousands":123751,"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2639,"hhi":5001,"hhiPercentile":82.4,"hhiRank":547,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":50.5,"leaderShareRank":928,"organizationCount":2,"organizationDepthRank":2667,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":32,"stateMedianHhi":3565,"stateName":"Kentucky","totalDepositsThousands":125973,"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2673,"hhi":5001,"hhiPercentile":82.4,"hhiRank":550,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":50.7,"leaderShareRank":941,"organizationCount":2,"organizationDepthRank":2659,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":34,"stateMedianHhi":3533,"stateName":"Kentucky","totalDepositsThousands":121587,"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. 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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2686,"hhi":5000,"hhiPercentile":81.4,"hhiRank":581,"leadingOrganization":"ALBANY BANCORP, INC.","leadingOrganizationSharePct":50.3,"leaderShareRank":990,"organizationCount":2,"organizationDepthRank":2648,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":34,"stateMedianHhi":3552,"stateName":"Kentucky","totalDepositsThousands":133723,"year":2020,"annualCountyCount":3110,"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2703,"hhi":5009,"hhiPercentile":81.2,"hhiRank":585,"leadingOrganization":"PINE KNOB HOLDINGS, LLC","leadingOrganizationSharePct":52.1,"leaderShareRank":919,"organizationCount":2,"organizationDepthRank":2632,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":33,"stateMedianHhi":3427,"stateName":"Kentucky","totalDepositsThousands":141428,"year":2021,"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. 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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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2703,"hhi":5013,"hhiPercentile":80.4,"hhiRank":610,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":52.5,"leaderShareRank":964,"organizationCount":2,"organizationDepthRank":2602,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":33,"stateMedianHhi":3395,"stateName":"Kentucky","totalDepositsThousands":147748,"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2691,"hhi":5008,"hhiPercentile":80.1,"hhiRank":618,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":52.1,"leaderShareRank":965,"organizationCount":2,"organizationDepthRank":2590,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":33,"stateMedianHhi":3422,"stateName":"Kentucky","totalDepositsThousands":153096,"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":2,"concentrationClass":"highly_concentrated","countyFips":"21057","countyName":"Cumberland","depositRank":2705,"hhi":5015,"hhiPercentile":80.1,"hhiRank":618,"leadingOrganization":"CITIZENS CUMBERLAND BANCSHARES, INC.","leadingOrganizationSharePct":52.7,"leaderShareRank":934,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/21057","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":36,"stateMedianHhi":3385,"stateName":"Kentucky","totalDepositsThousands":150671,"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."}]}