{"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":"40001","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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2381,"hhi":4504,"hhiPercentile":80.1,"hhiRank":619,"leadingOrganization":"PEOPLES COMMERCIAL BANCORP, INC.","leadingOrganizationSharePct":61.2,"leaderShareRank":518,"organizationCount":3,"organizationDepthRank":2356,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":16,"stateMedianHhi":2748,"stateName":"Oklahoma","totalDepositsThousands":175658,"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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2389,"hhi":4148,"hhiPercentile":76.9,"hhiRank":720,"leadingOrganization":"PEOPLES COMMERCIAL BANCORP, INC.","leadingOrganizationSharePct":56.5,"leaderShareRank":657,"organizationCount":3,"organizationDepthRank":2347,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":20,"stateMedianHhi":2685,"stateName":"Oklahoma","totalDepositsThousands":173192,"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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2418,"hhi":3987,"hhiPercentile":74.8,"hhiRank":785,"leadingOrganization":"PEOPLES COMMERCIAL BANCORP, INC.","leadingOrganizationSharePct":53.8,"leaderShareRank":771,"organizationCount":3,"organizationDepthRank":2340,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":20,"stateMedianHhi":2687,"stateName":"Oklahoma","totalDepositsThousands":170539,"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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2446,"hhi":3928,"hhiPercentile":74.2,"hhiRank":803,"leadingOrganization":"PEOPLES COMMERCIAL BANCORP, INC.","leadingOrganizationSharePct":52.9,"leaderShareRank":835,"organizationCount":3,"organizationDepthRank":2332,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":21,"stateMedianHhi":2671,"stateName":"Oklahoma","totalDepositsThousands":167659,"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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2416,"hhi":3948,"hhiPercentile":73.8,"hhiRank":817,"leadingOrganization":"PEOPLES COMMERCIAL BANCORP, INC.","leadingOrganizationSharePct":53.2,"leaderShareRank":831,"organizationCount":3,"organizationDepthRank":2320,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":21,"stateMedianHhi":2651,"stateName":"Oklahoma","totalDepositsThousands":177835,"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":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2514,"hhi":3577,"hhiPercentile":67.3,"hhiRank":1019,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":45.7,"leaderShareRank":1205,"organizationCount":3,"organizationDepthRank":2307,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":23,"stateMedianHhi":2672,"stateName":"Oklahoma","totalDepositsThousands":174184,"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":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2470,"hhi":3573,"hhiPercentile":66.3,"hhiRank":1048,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":45,"leaderShareRank":1262,"organizationCount":3,"organizationDepthRank":2282,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":25,"stateMedianHhi":2661,"stateName":"Oklahoma","totalDepositsThousands":207546,"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":5,"concentrationClass":"highly_concentrated","countyFips":"40001","countyName":"Adair","depositRank":2395,"hhi":3716,"hhiPercentile":68,"hhiRank":995,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":48.7,"leaderShareRank":1108,"organizationCount":3,"organizationDepthRank":2267,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":23,"stateMedianHhi":2694,"stateName":"Oklahoma","totalDepositsThousands":245482,"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":"40001","countyName":"Adair","depositRank":2362,"hhi":3630,"hhiPercentile":66.1,"hhiRank":1056,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":45.4,"leaderShareRank":1286,"organizationCount":3,"organizationDepthRank":2259,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":25,"stateMedianHhi":2752,"stateName":"Oklahoma","totalDepositsThousands":249445,"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":"40001","countyName":"Adair","depositRank":2346,"hhi":3564,"hhiPercentile":65.1,"hhiRank":1086,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":43.8,"leaderShareRank":1352,"organizationCount":3,"organizationDepthRank":2256,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":24,"stateMedianHhi":2679,"stateName":"Oklahoma","totalDepositsThousands":257623,"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":"40001","countyName":"Adair","depositRank":2301,"hhi":3526,"hhiPercentile":64,"hhiRank":1119,"leadingOrganization":"CARSON FINANCIAL HOLDING COMPANY, INC.","leadingOrganizationSharePct":42.2,"leaderShareRank":1474,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/40001","stateCode":"OK","stateCountyCount":77,"stateHref":"/geographies/oklahoma","stateHhiRank":23,"stateMedianHhi":2756,"stateName":"Oklahoma","totalDepositsThousands":282081,"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."}]}