{"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":"highly_concentrated","countyFips":"38049","countyName":"McHenry","depositRank":2661,"hhi":3216,"hhiPercentile":62.4,"hhiRank":1169,"leadingOrganization":"WESTERN STATE AGENCY, INC., EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST","leadingOrganizationSharePct":41.4,"leaderShareRank":1401,"organizationCount":4,"organizationDepthRank":2000,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":32,"stateMedianHhi":3584,"stateName":"North Dakota","totalDepositsThousands":121183,"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":4,"concentrationClass":"highly_concentrated","countyFips":"38049","countyName":"McHenry","depositRank":2678,"hhi":3208,"hhiPercentile":61.8,"hhiRank":1188,"leadingOrganization":"MERCHANTS HOLDING COMPANY","leadingOrganizationSharePct":39.9,"leaderShareRank":1504,"organizationCount":4,"organizationDepthRank":1990,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":33,"stateMedianHhi":3634,"stateName":"North Dakota","totalDepositsThousands":119999,"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":4,"concentrationClass":"highly_concentrated","countyFips":"38049","countyName":"McHenry","depositRank":2661,"hhi":3246,"hhiPercentile":61.8,"hhiRank":1188,"leadingOrganization":"MERCHANTS HOLDING COMPANY","leadingOrganizationSharePct":41.1,"leaderShareRank":1443,"organizationCount":4,"organizationDepthRank":1977,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":33,"stateMedianHhi":3638,"stateName":"North Dakota","totalDepositsThousands":122914,"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. 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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. 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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":4,"concentrationClass":"highly_concentrated","countyFips":"38049","countyName":"Mchenry","depositRank":2712,"hhi":3261,"hhiPercentile":59,"hhiRank":1275,"leadingOrganization":"MERCHANTS HOLDING COMPANY","leadingOrganizationSharePct":41.5,"leaderShareRank":1510,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":36,"stateMedianHhi":3980,"stateName":"North Dakota","totalDepositsThousands":145621,"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":4,"concentrationClass":"highly_concentrated","countyFips":"38049","countyName":"McHenry","depositRank":2700,"hhi":3316,"hhiPercentile":60.3,"hhiRank":1233,"leadingOrganization":"MERCHANTS HOLDING COMPANY","leadingOrganizationSharePct":42.6,"leaderShareRank":1422,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":36,"stateMedianHhi":3923,"stateName":"North Dakota","totalDepositsThousands":149029,"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":4,"concentrationClass":"highly_concentrated","countyFips":"38049","countyName":"McHenry","depositRank":2700,"hhi":3388,"hhiPercentile":61.4,"hhiRank":1200,"leadingOrganization":"MERCHANTS HOLDING COMPANY","leadingOrganizationSharePct":43.3,"leaderShareRank":1401,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38049","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":36,"stateMedianHhi":3852,"stateName":"North Dakota","totalDepositsThousands":153528,"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."}]}