{"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":21,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1171,"hhi":1827,"hhiPercentile":26.6,"hhiRank":2281,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":26.2,"leaderShareRank":2501,"organizationCount":8,"organizationDepthRank":1042,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":65,"stateMedianHhi":2491,"stateName":"Michigan","totalDepositsThousands":646965,"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":20,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1187,"hhi":1907,"hhiPercentile":28.6,"hhiRank":2221,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":25.9,"leaderShareRank":2555,"organizationCount":7,"organizationDepthRank":1202,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":63,"stateMedianHhi":2680,"stateName":"Michigan","totalDepositsThousands":655207,"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. 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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":20,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1185,"hhi":1891,"hhiPercentile":28,"hhiRank":2241,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":25.5,"leaderShareRank":2580,"organizationCount":7,"organizationDepthRank":1189,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":64,"stateMedianHhi":2775,"stateName":"Michigan","totalDepositsThousands":688992,"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. 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":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1199,"hhi":2004,"hhiPercentile":28.8,"hhiRank":2216,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":28.3,"leaderShareRank":2417,"organizationCount":6,"organizationDepthRank":1361,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":83,"stateHref":"/geographies/michigan","stateHhiRank":66,"stateMedianHhi":2983,"stateName":"Michigan","totalDepositsThousands":851754,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1183,"hhi":2004,"hhiPercentile":28.7,"hhiRank":2219,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":28.4,"leaderShareRank":2418,"organizationCount":6,"organizationDepthRank":1346,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":64,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":923220,"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":18,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1215,"hhi":1978,"hhiPercentile":27.8,"hhiRank":2246,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":26,"leaderShareRank":2578,"organizationCount":6,"organizationDepthRank":1341,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":64,"stateMedianHhi":2900,"stateName":"Michigan","totalDepositsThousands":874439,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1238,"hhi":2112,"hhiPercentile":31,"hhiRank":2144,"leadingOrganization":"EASTERN MICHIGAN FINANCIAL CORPORATION","leadingOrganizationSharePct":27,"leaderShareRank":2498,"organizationCount":6,"organizationDepthRank":1340,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":59,"stateMedianHhi":2854,"stateName":"Michigan","totalDepositsThousands":864415,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1253,"hhi":2097,"hhiPercentile":30.7,"hhiRank":2152,"leadingOrganization":"TRI-COUNTY BANCORP, INC.","leadingOrganizationSharePct":28.8,"leaderShareRank":2369,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":59,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":887569,"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."}]}