{"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":"42081","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":47,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":404,"hhi":1422,"hhiPercentile":13,"hhiRank":2709,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":23.1,"leaderShareRank":2729,"organizationCount":11,"organizationDepthRank":630,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":52,"stateMedianHhi":1922,"stateName":"Pennsylvania","totalDepositsThousands":2399181,"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":46,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":443,"hhi":1350,"hhiPercentile":10.6,"hhiRank":2780,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":20.2,"leaderShareRank":2902,"organizationCount":11,"organizationDepthRank":616,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":53,"stateMedianHhi":1956,"stateName":"Pennsylvania","totalDepositsThousands":2282460,"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":46,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":448,"hhi":1360,"hhiPercentile":10.6,"hhiRank":2779,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":21,"leaderShareRank":2859,"organizationCount":11,"organizationDepthRank":604,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":52,"stateMedianHhi":2023,"stateName":"Pennsylvania","totalDepositsThousands":2365472,"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":45,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":455,"hhi":1321,"hhiPercentile":9.4,"hhiRank":2819,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":21.1,"leaderShareRank":2848,"organizationCount":12,"organizationDepthRank":523,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":54,"stateMedianHhi":1994,"stateName":"Pennsylvania","totalDepositsThousands":2381089,"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":44,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":441,"hhi":1352,"hhiPercentile":10.4,"hhiRank":2790,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":22.3,"leaderShareRank":2781,"organizationCount":12,"organizationDepthRank":519,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":53,"stateMedianHhi":2028,"stateName":"Pennsylvania","totalDepositsThousands":2505575,"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":45,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":473,"hhi":1333,"hhiPercentile":9.3,"hhiRank":2821,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":22.1,"leaderShareRank":2823,"organizationCount":13,"organizationDepthRank":455,"organizationsOver5pct":8,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":55,"stateMedianHhi":2003,"stateName":"Pennsylvania","totalDepositsThousands":2689066,"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":44,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":479,"hhi":1349,"hhiPercentile":9.1,"hhiRank":2827,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":19.7,"leaderShareRank":2933,"organizationCount":13,"organizationDepthRank":454,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":55,"stateMedianHhi":2040,"stateName":"Pennsylvania","totalDepositsThousands":3025628,"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":42,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":507,"hhi":1360,"hhiPercentile":9.1,"hhiRank":2827,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":19.5,"leaderShareRank":2965,"organizationCount":12,"organizationDepthRank":514,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":55,"stateMedianHhi":2130,"stateName":"Pennsylvania","totalDepositsThousands":3034007,"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":42,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":500,"hhi":1419,"hhiPercentile":10.9,"hhiRank":2769,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":22.5,"leaderShareRank":2816,"organizationCount":11,"organizationDepthRank":572,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":49,"stateMedianHhi":2226,"stateName":"Pennsylvania","totalDepositsThousands":2925247,"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":42,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":493,"hhi":1391,"hhiPercentile":10.6,"hhiRank":2776,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":21.8,"leaderShareRank":2847,"organizationCount":12,"organizationDepthRank":510,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":52,"stateMedianHhi":2076,"stateName":"Pennsylvania","totalDepositsThousands":3013977,"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":41,"concentrationClass":"unconcentrated","countyFips":"42081","countyName":"Lycoming","depositRank":498,"hhi":1417,"hhiPercentile":11.8,"hhiRank":2739,"leadingOrganization":"PENNS WOODS BANCORP, INC.","leadingOrganizationSharePct":21.5,"leaderShareRank":2844,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":7,"profileHref":"/geographies/banking/42081","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":51,"stateMedianHhi":2095,"stateName":"Pennsylvania","totalDepositsThousands":3061102,"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."}]}