{"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. No values are interpolated across missing or changed geographies.","publisher":"Federal Deposit Insurance Corporation","title":"Annual Summary of Deposits, 2015-2025","url":"https://banks.data.fdic.gov/bankfind-suite/SOD","profileHref":"/sources/fdic-sod-2025"},"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.","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","matchedCount":11,"count":11,"filters":{"states":[],"statesMatched":true,"matchedStateCodes":[],"county":null,"countyMatched":null,"fips":"25011","fipsMatched":true,"fipses":[],"fipsesMatched":null,"matchedFipses":[],"unmatchedFipses":[],"selectionOrder":false,"history":"true","historyMatched":true,"from":2015,"fromMatched":true,"to":2025,"toMatched":true,"rangeMatched":true,"query":null,"concentrationClass":null,"concentrationClassMatched":true,"source":null,"sourceMatched":null,"year":null,"yearMatched":null,"sort":"year","sortMatched":true,"order":"asc","orderMatched":true,"limit":null,"limitMatched":true},"availableSorts":["year","hhi","leader_share","organizations","branches","deposits","county"],"availableConcentrationClasses":["unconcentrated","moderately_concentrated","highly_concentrated"],"rows":[{"branchCount":19,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":716,"hhi":2609,"hhiPercentile":49,"hhiRank":1588,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":38.7,"leaderShareRank":1545,"organizationCount":6,"organizationDepthRank":1459,"organizationsOver5pct":5,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1331,"stateName":"Massachusetts","totalDepositsThousands":1178691,"year":2015,"annualCountyCount":3112,"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":18,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":715,"hhi":2632,"hhiPercentile":49.6,"hhiRank":1568,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":39,"leaderShareRank":1534,"organizationCount":6,"organizationDepthRank":1449,"organizationsOver5pct":5,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1341,"stateName":"Massachusetts","totalDepositsThousands":1229579,"year":2016,"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":17,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":706,"hhi":2853,"hhiPercentile":54.6,"hhiRank":1411,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":42.8,"leaderShareRank":1322,"organizationCount":6,"organizationDepthRank":1431,"organizationsOver5pct":5,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1351,"stateName":"Massachusetts","totalDepositsThousands":1306523,"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":17,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":707,"hhi":2914,"hhiPercentile":55.2,"hhiRank":1394,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":43.4,"leaderShareRank":1281,"organizationCount":6,"organizationDepthRank":1415,"organizationsOver5pct":5,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1349,"stateName":"Massachusetts","totalDepositsThousands":1347372,"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":17,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":689,"hhi":2804,"hhiPercentile":53,"hhiRank":1462,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":42,"leaderShareRank":1379,"organizationCount":6,"organizationDepthRank":1405,"organizationsOver5pct":5,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1357,"stateName":"Massachusetts","totalDepositsThousands":1454274,"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":16,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":746,"hhi":3248,"hhiPercentile":61.4,"hhiRank":1201,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":44.9,"leaderShareRank":1238,"organizationCount":5,"organizationDepthRank":1647,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":2,"stateMedianHhi":1369,"stateName":"Massachusetts","totalDepositsThousands":1476417,"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":16,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":765,"hhi":3339,"hhiPercentile":61.9,"hhiRank":1185,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":46.6,"leaderShareRank":1162,"organizationCount":5,"organizationDepthRank":1631,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":3,"stateMedianHhi":1374,"stateName":"Massachusetts","totalDepositsThousands":1603229,"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. 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":16,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":791,"hhi":3233,"hhiPercentile":59.5,"hhiRank":1261,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":44.5,"leaderShareRank":1318,"organizationCount":5,"organizationDepthRank":1605,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":2,"stateMedianHhi":1412,"stateName":"Massachusetts","totalDepositsThousands":1589586,"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":15,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":816,"hhi":3638,"hhiPercentile":66.2,"hhiRank":1051,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":50,"leaderShareRank":1067,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":2,"stateMedianHhi":1388,"stateName":"Massachusetts","totalDepositsThousands":1517672,"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":15,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":805,"hhi":3637,"hhiPercentile":66,"hhiRank":1057,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":50.8,"leaderShareRank":1027,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":3,"stateMedianHhi":1394,"stateName":"Massachusetts","totalDepositsThousands":1574617,"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":15,"concentrationClass":"highly_concentrated","countyFips":"25011","countyName":"Franklin","depositRank":775,"hhi":3796,"hhiPercentile":68.5,"hhiRank":980,"leadingOrganization":"GSB, MHC","leadingOrganizationSharePct":52.1,"leaderShareRank":962,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/25011","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":3,"stateMedianHhi":1425,"stateName":"Massachusetts","totalDepositsThousands":1687258,"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."}]}