{"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":"27107","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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2504,"hhi":1925,"hhiPercentile":29.7,"hhiRank":2188,"leadingOrganization":"FRANDSEN FINANCIAL CORPORATION","leadingOrganizationSharePct":28.7,"leaderShareRank":2299,"organizationCount":7,"organizationDepthRank":1233,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":45,"stateMedianHhi":1963,"stateName":"Minnesota","totalDepositsThousands":150788,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2353,"hhi":2246,"hhiPercentile":39.1,"hhiRank":1894,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":37,"leaderShareRank":1650,"organizationCount":7,"organizationDepthRank":1215,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":39,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":181847,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2493,"hhi":1881,"hhiPercentile":27.4,"hhiRank":2258,"leadingOrganization":"FRANDSEN FINANCIAL CORPORATION","leadingOrganizationSharePct":27.9,"leaderShareRank":2359,"organizationCount":7,"organizationDepthRank":1202,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":49,"stateMedianHhi":1991,"stateName":"Minnesota","totalDepositsThousands":156460,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2493,"hhi":1829,"hhiPercentile":26,"hhiRank":2301,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":25.8,"leaderShareRank":2539,"organizationCount":7,"organizationDepthRank":1192,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":51,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":159847,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2459,"hhi":1861,"hhiPercentile":27,"hhiRank":2272,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":29.7,"leaderShareRank":2237,"organizationCount":7,"organizationDepthRank":1189,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":49,"stateMedianHhi":1988,"stateName":"Minnesota","totalDepositsThousands":168984,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2457,"hhi":1894,"hhiPercentile":26.2,"hhiRank":2295,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":30.3,"leaderShareRank":2229,"organizationCount":7,"organizationDepthRank":1168,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":48,"stateMedianHhi":1927,"stateName":"Minnesota","totalDepositsThousands":189590,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2355,"hhi":2256,"hhiPercentile":37,"hhiRank":1959,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":38.2,"leaderShareRank":1695,"organizationCount":7,"organizationDepthRank":1148,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":40,"stateMedianHhi":2047,"stateName":"Minnesota","totalDepositsThousands":244576,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2397,"hhi":2001,"hhiPercentile":28.6,"hhiRank":2220,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":31.9,"leaderShareRank":2162,"organizationCount":7,"organizationDepthRank":1128,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":44,"stateMedianHhi":2001,"stateName":"Minnesota","totalDepositsThousands":244088,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2447,"hhi":1950,"hhiPercentile":26.6,"hhiRank":2282,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":31.4,"leaderShareRank":2206,"organizationCount":7,"organizationDepthRank":1130,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":48,"stateMedianHhi":2033,"stateName":"Minnesota","totalDepositsThousands":224186,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2447,"hhi":1979,"hhiPercentile":27.6,"hhiRank":2250,"leadingOrganization":"RED RIVER FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":30.3,"leaderShareRank":2277,"organizationCount":7,"organizationDepthRank":1133,"organizationsOver5pct":6,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":47,"stateMedianHhi":2116,"stateName":"Minnesota","totalDepositsThousands":224779,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"27107","countyName":"Norman","depositRank":2426,"hhi":1891,"hhiPercentile":25,"hhiRank":2330,"leadingOrganization":"FRANDSEN FINANCIAL CORPORATION","leadingOrganizationSharePct":27.7,"leaderShareRank":2444,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":7,"profileHref":"/geographies/banking/27107","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":51,"stateMedianHhi":2159,"stateName":"Minnesota","totalDepositsThousands":238338,"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."}]}