{"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","matchedCount":11,"count":11,"filters":{"states":[],"statesMatched":true,"matchedStateCodes":[],"county":null,"countyMatched":null,"fips":"26071","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":6,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2457,"hhi":2684,"hhiPercentile":50.9,"hhiRank":1528,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":37.9,"leaderShareRank":1610,"organizationCount":5,"organizationDepthRank":1714,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":41,"stateMedianHhi":2599,"stateName":"Michigan","totalDepositsThousands":157130,"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. 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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":6,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2446,"hhi":2783,"hhiPercentile":53.5,"hhiRank":1445,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":39.1,"leaderShareRank":1525,"organizationCount":5,"organizationDepthRank":1709,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":35,"stateMedianHhi":2491,"stateName":"Michigan","totalDepositsThousands":161985,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2455,"hhi":2868,"hhiPercentile":54.9,"hhiRank":1403,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":38.6,"leaderShareRank":1569,"organizationCount":5,"organizationDepthRank":1693,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":37,"stateMedianHhi":2680,"stateName":"Michigan","totalDepositsThousands":162598,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2506,"hhi":2793,"hhiPercentile":52.9,"hhiRank":1466,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":40.5,"leaderShareRank":1463,"organizationCount":5,"organizationDepthRank":1679,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":40,"stateMedianHhi":2713,"stateName":"Michigan","totalDepositsThousands":156342,"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":5,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2538,"hhi":3288,"hhiPercentile":62.6,"hhiRank":1166,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":47,"leaderShareRank":1108,"organizationCount":4,"organizationDepthRank":1977,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":31,"stateMedianHhi":2775,"stateName":"Michigan","totalDepositsThousands":149765,"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. 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":5,"concentrationClass":"highly_concentrated","countyFips":"26071","countyName":"Iron","depositRank":2658,"hhi":3107,"hhiPercentile":56.8,"hhiRank":1344,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":41.5,"leaderShareRank":1510,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":37,"stateMedianHhi":2900,"stateName":"Michigan","totalDepositsThousands":158821,"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":"26071","countyName":"Iron","depositRank":2663,"hhi":3017,"hhiPercentile":54.6,"hhiRank":1411,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":40.6,"leaderShareRank":1559,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":38,"stateMedianHhi":2854,"stateName":"Michigan","totalDepositsThousands":160095,"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":"26071","countyName":"Iron","depositRank":2546,"hhi":2927,"hhiPercentile":52.3,"hhiRank":1481,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":36.6,"leaderShareRank":1826,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":40,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":195957,"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."}]}