{"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":"42035","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":13,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1543,"hhi":2134,"hhiPercentile":36.3,"hhiRank":1984,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":26.2,"leaderShareRank":2501,"organizationCount":7,"organizationDepthRank":1233,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":28,"stateMedianHhi":1922,"stateName":"Pennsylvania","totalDepositsThousands":423850,"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":13,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1558,"hhi":2098,"hhiPercentile":34.4,"hhiRank":2039,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":27.5,"leaderShareRank":2398,"organizationCount":7,"organizationDepthRank":1215,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":28,"stateMedianHhi":1956,"stateName":"Pennsylvania","totalDepositsThousands":423093,"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":13,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1532,"hhi":2026,"hhiPercentile":32,"hhiRank":2115,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":27,"leaderShareRank":2447,"organizationCount":8,"organizationDepthRank":1033,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":33,"stateMedianHhi":2023,"stateName":"Pennsylvania","totalDepositsThousands":445689,"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":13,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1529,"hhi":1994,"hhiPercentile":30.9,"hhiRank":2148,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":26.4,"leaderShareRank":2496,"organizationCount":8,"organizationDepthRank":1009,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":34,"stateMedianHhi":1994,"stateName":"Pennsylvania","totalDepositsThousands":457039,"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":13,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1500,"hhi":1898,"hhiPercentile":28.4,"hhiRank":2230,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":26.4,"leaderShareRank":2500,"organizationCount":8,"organizationDepthRank":1001,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":38,"stateMedianHhi":2028,"stateName":"Pennsylvania","totalDepositsThousands":488450,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1422,"hhi":1898,"hhiPercentile":26.4,"hhiRank":2290,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":24.9,"leaderShareRank":2633,"organizationCount":8,"organizationDepthRank":987,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":39,"stateMedianHhi":2003,"stateName":"Pennsylvania","totalDepositsThousands":588141,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1463,"hhi":1806,"hhiPercentile":22.7,"hhiRank":2403,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":25.1,"leaderShareRank":2632,"organizationCount":8,"organizationDepthRank":962,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":42,"stateMedianHhi":2040,"stateName":"Pennsylvania","totalDepositsThousands":632544,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1475,"hhi":1768,"hhiPercentile":21.4,"hhiRank":2445,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":24.8,"leaderShareRank":2672,"organizationCount":8,"organizationDepthRank":954,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":44,"stateMedianHhi":2130,"stateName":"Pennsylvania","totalDepositsThousands":657567,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1438,"hhi":1767,"hhiPercentile":21.3,"hhiRank":2446,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":24.5,"leaderShareRank":2687,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":42,"stateMedianHhi":2226,"stateName":"Pennsylvania","totalDepositsThousands":678079,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1434,"hhi":1769,"hhiPercentile":21.3,"hhiRank":2444,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":23.8,"leaderShareRank":2703,"organizationCount":8,"organizationDepthRank":950,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":40,"stateMedianHhi":2076,"stateName":"Pennsylvania","totalDepositsThousands":700203,"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":12,"concentrationClass":"moderately_concentrated","countyFips":"42035","countyName":"Clinton","depositRank":1436,"hhi":1762,"hhiPercentile":21.6,"hhiRank":2436,"leadingOrganization":"FIRST COMMONWEALTH FINANCIAL CORPORATION","leadingOrganizationSharePct":23.9,"leaderShareRank":2698,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/42035","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":42,"stateMedianHhi":2095,"stateName":"Pennsylvania","totalDepositsThousands":719231,"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."}]}