{"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":"27055","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":9,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1764,"hhi":2680,"hhiPercentile":50.7,"hhiRank":1536,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":43,"leaderShareRank":1296,"organizationCount":6,"organizationDepthRank":1459,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":29,"stateMedianHhi":1963,"stateName":"Minnesota","totalDepositsThousands":340098,"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":10,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1738,"hhi":2775,"hhiPercentile":53.4,"hhiRank":1449,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":44.6,"leaderShareRank":1195,"organizationCount":6,"organizationDepthRank":1449,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":28,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":353500,"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":10,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1754,"hhi":2839,"hhiPercentile":54.1,"hhiRank":1427,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":45.5,"leaderShareRank":1181,"organizationCount":6,"organizationDepthRank":1431,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":29,"stateMedianHhi":1991,"stateName":"Minnesota","totalDepositsThousands":361556,"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":9,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1760,"hhi":2958,"hhiPercentile":56.3,"hhiRank":1359,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":45.8,"leaderShareRank":1160,"organizationCount":5,"organizationDepthRank":1679,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":27,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":366776,"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":9,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1760,"hhi":2998,"hhiPercentile":57.1,"hhiRank":1337,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":46,"leaderShareRank":1161,"organizationCount":5,"organizationDepthRank":1669,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":27,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":375996,"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":9,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1729,"hhi":3219,"hhiPercentile":61,"hhiRank":1213,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":49.2,"leaderShareRank":1039,"organizationCount":5,"organizationDepthRank":1647,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":21,"stateMedianHhi":1927,"stateName":"Minnesota","totalDepositsThousands":435222,"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":9,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1738,"hhi":3217,"hhiPercentile":59.7,"hhiRank":1253,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":48.4,"leaderShareRank":1094,"organizationCount":5,"organizationDepthRank":1631,"organizationsOver5pct":5,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":22,"stateMedianHhi":2047,"stateName":"Minnesota","totalDepositsThousands":479860,"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":8,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1846,"hhi":3928,"hhiPercentile":71.1,"hhiRank":899,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":54.7,"leaderShareRank":828,"organizationCount":4,"organizationDepthRank":1938,"organizationsOver5pct":4,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":12,"stateMedianHhi":2001,"stateName":"Minnesota","totalDepositsThousands":455253,"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":8,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1876,"hhi":4063,"hhiPercentile":72.4,"hhiRank":859,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":55.4,"leaderShareRank":806,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":4,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":11,"stateMedianHhi":2033,"stateName":"Minnesota","totalDepositsThousands":432750,"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":8,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1771,"hhi":4233,"hhiPercentile":73.8,"hhiRank":813,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":57.2,"leaderShareRank":758,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":4,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":13,"stateMedianHhi":2116,"stateName":"Minnesota","totalDepositsThousands":489820,"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":8,"concentrationClass":"highly_concentrated","countyFips":"27055","countyName":"Houston","depositRank":1711,"hhi":4372,"hhiPercentile":75.1,"hhiRank":774,"leadingOrganization":"MERCHANTS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":58.4,"leaderShareRank":720,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/27055","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":12,"stateMedianHhi":2159,"stateName":"Minnesota","totalDepositsThousands":534041,"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."}]}