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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":28,"concentrationClass":"moderately_concentrated","countyFips":"26017","countyName":"Bay","depositRank":805,"hhi":2055,"hhiPercentile":33.4,"hhiRank":2070,"leadingOrganization":"CHEMICAL FINANCIAL CORPORATION","leadingOrganizationSharePct":29,"leaderShareRank":2268,"organizationCount":8,"organizationDepthRank":1042,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":58,"stateMedianHhi":2491,"stateName":"Michigan","totalDepositsThousands":1049545,"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":25,"concentrationClass":"moderately_concentrated","countyFips":"26017","countyName":"Bay","depositRank":828,"hhi":2192,"hhiPercentile":37.4,"hhiRank":1948,"leadingOrganization":"CHEMICAL FINANCIAL CORPORATION","leadingOrganizationSharePct":31.2,"leaderShareRank":2117,"organizationCount":7,"organizationDepthRank":1202,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":51,"stateMedianHhi":2680,"stateName":"Michigan","totalDepositsThousands":1040662,"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. 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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":24,"concentrationClass":"moderately_concentrated","countyFips":"26017","countyName":"Bay","depositRank":829,"hhi":2277,"hhiPercentile":39.7,"hhiRank":1876,"leadingOrganization":"CHEMICAL FINANCIAL CORPORATION","leadingOrganizationSharePct":34.1,"leaderShareRank":1908,"organizationCount":7,"organizationDepthRank":1192,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":50,"stateMedianHhi":2713,"stateName":"Michigan","totalDepositsThousands":1074273,"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. 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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":23,"concentrationClass":"moderately_concentrated","countyFips":"26017","countyName":"Bay","depositRank":814,"hhi":2302,"hhiPercentile":39.7,"hhiRank":1876,"leadingOrganization":"CHEMICAL FINANCIAL CORPORATION","leadingOrganizationSharePct":35.2,"leaderShareRank":1830,"organizationCount":7,"organizationDepthRank":1189,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":54,"stateMedianHhi":2775,"stateName":"Michigan","totalDepositsThousands":1120455,"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. 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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":18,"concentrationClass":"highly_concentrated","countyFips":"26017","countyName":"Bay","depositRank":912,"hhi":2752,"hhiPercentile":48.7,"hhiRank":1593,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":37.4,"leaderShareRank":1764,"organizationCount":6,"organizationDepthRank":1340,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":45,"stateMedianHhi":2854,"stateName":"Michigan","totalDepositsThousands":1314166,"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":18,"concentrationClass":"highly_concentrated","countyFips":"26017","countyName":"Bay","depositRank":939,"hhi":2760,"hhiPercentile":48.4,"hhiRank":1603,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":38,"leaderShareRank":1734,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":45,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1300880,"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."}]}