{"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","matchedCount":11,"count":11,"filters":{"states":[],"statesMatched":true,"matchedStateCodes":[],"county":null,"countyMatched":null,"fips":"38103","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":6,"concentrationClass":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2199,"hhi":3407,"hhiPercentile":66.4,"hhiRank":1046,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":44.4,"leaderShareRank":1200,"organizationCount":4,"organizationDepthRank":2016,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":30,"stateMedianHhi":3673,"stateName":"North Dakota","totalDepositsThousands":219494,"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. 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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":"38103","countyName":"Wells","depositRank":2191,"hhi":3625,"hhiPercentile":69.4,"hhiRank":953,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":48.6,"leaderShareRank":1013,"organizationCount":4,"organizationDepthRank":2000,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":25,"stateMedianHhi":3584,"stateName":"North Dakota","totalDepositsThousands":230020,"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":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2212,"hhi":3657,"hhiPercentile":70,"hhiRank":934,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":49.4,"leaderShareRank":977,"organizationCount":4,"organizationDepthRank":1990,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":25,"stateMedianHhi":3634,"stateName":"North Dakota","totalDepositsThousands":228824,"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":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2239,"hhi":3638,"hhiPercentile":69.1,"hhiRank":961,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":49.4,"leaderShareRank":1003,"organizationCount":4,"organizationDepthRank":1977,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":26,"stateMedianHhi":3638,"stateName":"North Dakota","totalDepositsThousands":225701,"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. 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":"38103","countyName":"Wells","depositRank":2238,"hhi":3644,"hhiPercentile":67.7,"hhiRank":1006,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":50.3,"leaderShareRank":1017,"organizationCount":4,"organizationDepthRank":1949,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":27,"stateMedianHhi":3685,"stateName":"North Dakota","totalDepositsThousands":281568,"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":6,"concentrationClass":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2153,"hhi":3727,"hhiPercentile":68.3,"hhiRank":988,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":52.1,"leaderShareRank":953,"organizationCount":4,"organizationDepthRank":1938,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":28,"stateMedianHhi":3923,"stateName":"North Dakota","totalDepositsThousands":329066,"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":5,"concentrationClass":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2227,"hhi":3819,"hhiPercentile":69.1,"hhiRank":962,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":53.4,"leaderShareRank":904,"organizationCount":4,"organizationDepthRank":1931,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":27,"stateMedianHhi":3980,"stateName":"North Dakota","totalDepositsThousands":296952,"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":5,"concentrationClass":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2201,"hhi":3830,"hhiPercentile":68.9,"hhiRank":966,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":53.5,"leaderShareRank":902,"organizationCount":4,"organizationDepthRank":1937,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":27,"stateMedianHhi":3923,"stateName":"North Dakota","totalDepositsThousands":313134,"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":5,"concentrationClass":"highly_concentrated","countyFips":"38103","countyName":"Wells","depositRank":2175,"hhi":3674,"hhiPercentile":66.7,"hhiRank":1036,"leadingOrganization":"WATFORD CITY BANCSHARES, INC.","leadingOrganizationSharePct":51.5,"leaderShareRank":1002,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/38103","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":29,"stateMedianHhi":3852,"stateName":"North Dakota","totalDepositsThousands":326321,"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."}]}