{"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":6,"concentrationClass":"moderately_concentrated","countyFips":"37111","countyName":"McDowell","depositRank":1856,"hhi":1835,"hhiPercentile":26.1,"hhiRank":2299,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.4,"leaderShareRank":2504,"organizationCount":6,"organizationDepthRank":1431,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":68,"stateMedianHhi":2242,"stateName":"North Carolina","totalDepositsThousands":325957,"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":"moderately_concentrated","countyFips":"37111","countyName":"McDowell","depositRank":1870,"hhi":1828,"hhiPercentile":25.9,"hhiRank":2306,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.3,"leaderShareRank":2502,"organizationCount":6,"organizationDepthRank":1415,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":71,"stateMedianHhi":2210,"stateName":"North Carolina","totalDepositsThousands":326367,"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":6,"concentrationClass":"moderately_concentrated","countyFips":"37111","countyName":"McDowell","depositRank":1848,"hhi":1849,"hhiPercentile":26.4,"hhiRank":2291,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.8,"leaderShareRank":2466,"organizationCount":6,"organizationDepthRank":1405,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":69,"stateMedianHhi":2273,"stateName":"North Carolina","totalDepositsThousands":338223,"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":5,"concentrationClass":"moderately_concentrated","countyFips":"37111","countyName":"Mcdowell","depositRank":2004,"hhi":2311,"hhiPercentile":39.3,"hhiRank":1888,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":33.5,"leaderShareRank":1989,"organizationCount":5,"organizationDepthRank":1647,"organizationsOver5pct":5,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":54,"stateMedianHhi":2398,"stateName":"North Carolina","totalDepositsThousands":332953,"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":5,"concentrationClass":"moderately_concentrated","countyFips":"37111","countyName":"Mcdowell","depositRank":1999,"hhi":2463,"hhiPercentile":42.7,"hhiRank":1784,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":36,"leaderShareRank":1834,"organizationCount":5,"organizationDepthRank":1631,"organizationsOver5pct":5,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":43,"stateMedianHhi":2302,"stateName":"North Carolina","totalDepositsThousands":370458,"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":4,"concentrationClass":"highly_concentrated","countyFips":"37111","countyName":"Mcdowell","depositRank":2052,"hhi":3020,"hhiPercentile":55.5,"hhiRank":1386,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":40.7,"leaderShareRank":1541,"organizationCount":4,"organizationDepthRank":1938,"organizationsOver5pct":4,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":30,"stateMedianHhi":2370,"stateName":"North Carolina","totalDepositsThousands":372447,"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":3,"concentrationClass":"highly_concentrated","countyFips":"37111","countyName":"Mcdowell","depositRank":2125,"hhi":3538,"hhiPercentile":64.4,"hhiRank":1106,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":43.4,"leaderShareRank":1392,"organizationCount":3,"organizationDepthRank":2259,"organizationsOver5pct":3,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":25,"stateMedianHhi":2404,"stateName":"North Carolina","totalDepositsThousands":339169,"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":3,"concentrationClass":"highly_concentrated","countyFips":"37111","countyName":"McDowell","depositRank":2092,"hhi":3574,"hhiPercentile":65.2,"hhiRank":1081,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":42.3,"leaderShareRank":1442,"organizationCount":3,"organizationDepthRank":2256,"organizationsOver5pct":3,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":26,"stateMedianHhi":2448,"stateName":"North Carolina","totalDepositsThousands":353698,"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":3,"concentrationClass":"highly_concentrated","countyFips":"37111","countyName":"McDowell","depositRank":2055,"hhi":3633,"hhiPercentile":66,"hhiRank":1056,"leadingOrganization":"FIRST BANCORP","leadingOrganizationSharePct":40.6,"leaderShareRank":1583,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/37111","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":25,"stateMedianHhi":2366,"stateName":"North Carolina","totalDepositsThousands":374494,"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."}]}