{"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":"37175","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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1425,"hhi":1771,"hhiPercentile":24.7,"hhiRank":2345,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26,"leaderShareRank":2516,"organizationCount":7,"organizationDepthRank":1233,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":75,"stateMedianHhi":2200,"stateName":"North Carolina","totalDepositsThousands":482326,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1404,"hhi":1810,"hhiPercentile":25.8,"hhiRank":2306,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.5,"leaderShareRank":2470,"organizationCount":7,"organizationDepthRank":1215,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":72,"stateMedianHhi":2265,"stateName":"North Carolina","totalDepositsThousands":500736,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1411,"hhi":1814,"hhiPercentile":25.2,"hhiRank":2327,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.6,"leaderShareRank":2487,"organizationCount":7,"organizationDepthRank":1202,"organizationsOver5pct":7,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":69,"stateMedianHhi":2242,"stateName":"North Carolina","totalDepositsThousands":509654,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1390,"hhi":1812,"hhiPercentile":25.2,"hhiRank":2326,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":26.1,"leaderShareRank":2518,"organizationCount":7,"organizationDepthRank":1192,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":73,"stateMedianHhi":2210,"stateName":"North Carolina","totalDepositsThousands":529247,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1387,"hhi":1784,"hhiPercentile":24.1,"hhiRank":2362,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":25.3,"leaderShareRank":2595,"organizationCount":7,"organizationDepthRank":1189,"organizationsOver5pct":6,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":73,"stateMedianHhi":2273,"stateName":"North Carolina","totalDepositsThousands":541981,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1388,"hhi":2352,"hhiPercentile":40.4,"hhiRank":1856,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":36.3,"leaderShareRank":1790,"organizationCount":6,"organizationDepthRank":1385,"organizationsOver5pct":5,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":51,"stateMedianHhi":2398,"stateName":"North Carolina","totalDepositsThousands":616132,"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":8,"concentrationClass":"moderately_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1352,"hhi":2331,"hhiPercentile":39.1,"hhiRank":1893,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":36.1,"leaderShareRank":1827,"organizationCount":6,"organizationDepthRank":1361,"organizationsOver5pct":5,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":50,"stateMedianHhi":2302,"stateName":"North Carolina","totalDepositsThousands":716132,"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":"highly_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1354,"hhi":2699,"hhiPercentile":48.2,"hhiRank":1612,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":40.2,"leaderShareRank":1577,"organizationCount":5,"organizationDepthRank":1605,"organizationsOver5pct":4,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":100,"stateHref":"/geographies/north-carolina","stateHhiRank":40,"stateMedianHhi":2370,"stateName":"North Carolina","totalDepositsThousands":758541,"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":"highly_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1375,"hhi":2649,"hhiPercentile":46.4,"hhiRank":1668,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":38.6,"leaderShareRank":1681,"organizationCount":5,"organizationDepthRank":1605,"organizationsOver5pct":4,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":41,"stateMedianHhi":2404,"stateName":"North Carolina","totalDepositsThousands":741989,"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":"highly_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1380,"hhi":2690,"hhiPercentile":47.6,"hhiRank":1628,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":39.6,"leaderShareRank":1627,"organizationCount":5,"organizationDepthRank":1606,"organizationsOver5pct":4,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":37,"stateMedianHhi":2448,"stateName":"North Carolina","totalDepositsThousands":747438,"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":"highly_concentrated","countyFips":"37175","countyName":"Transylvania","depositRank":1241,"hhi":2637,"hhiPercentile":45.6,"hhiRank":1690,"leadingOrganization":"FIRST CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":34.7,"leaderShareRank":1941,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/37175","stateCode":"NC","stateCountyCount":98,"stateHref":"/geographies/north-carolina","stateHhiRank":40,"stateMedianHhi":2366,"stateName":"North Carolina","totalDepositsThousands":898016,"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."}]}