{"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":"42111","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":31,"concentrationClass":"moderately_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":644,"hhi":2358,"hhiPercentile":42.5,"hhiRank":1789,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":39.4,"leaderShareRank":1486,"organizationCount":8,"organizationDepthRank":1041,"organizationsOver5pct":6,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":24,"stateMedianHhi":1922,"stateName":"Pennsylvania","totalDepositsThousands":1338260,"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":31,"concentrationClass":"moderately_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":668,"hhi":2405,"hhiPercentile":43.8,"hhiRank":1748,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":40.4,"leaderShareRank":1445,"organizationCount":8,"organizationDepthRank":1042,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":23,"stateMedianHhi":1956,"stateName":"Pennsylvania","totalDepositsThousands":1335676,"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":32,"concentrationClass":"moderately_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":697,"hhi":2475,"hhiPercentile":44.9,"hhiRank":1713,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":41.6,"leaderShareRank":1386,"organizationCount":8,"organizationDepthRank":1033,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":23,"stateMedianHhi":2023,"stateName":"Pennsylvania","totalDepositsThousands":1332212,"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":32,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":698,"hhi":2570,"hhiPercentile":47,"hhiRank":1649,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":43,"leaderShareRank":1302,"organizationCount":8,"organizationDepthRank":1009,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":20,"stateMedianHhi":1994,"stateName":"Pennsylvania","totalDepositsThousands":1365711,"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":31,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":710,"hhi":2620,"hhiPercentile":47.9,"hhiRank":1623,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":43.9,"leaderShareRank":1256,"organizationCount":8,"organizationDepthRank":1001,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":20,"stateMedianHhi":2028,"stateName":"Pennsylvania","totalDepositsThousands":1380268,"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":28,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":748,"hhi":2718,"hhiPercentile":49.6,"hhiRank":1568,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":45.9,"leaderShareRank":1185,"organizationCount":8,"organizationDepthRank":987,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":20,"stateMedianHhi":2003,"stateName":"Pennsylvania","totalDepositsThousands":1474200,"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":25,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":767,"hhi":2873,"hhiPercentile":52.7,"hhiRank":1471,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":46.7,"leaderShareRank":1158,"organizationCount":8,"organizationDepthRank":962,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":18,"stateMedianHhi":2040,"stateName":"Pennsylvania","totalDepositsThousands":1593992,"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":25,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":773,"hhi":2932,"hhiPercentile":53.3,"hhiRank":1453,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":47.5,"leaderShareRank":1157,"organizationCount":8,"organizationDepthRank":954,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":67,"stateHref":"/geographies/pennsylvania","stateHhiRank":20,"stateMedianHhi":2130,"stateName":"Pennsylvania","totalDepositsThousands":1635369,"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":25,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":756,"hhi":3015,"hhiPercentile":54.8,"hhiRank":1407,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":48.9,"leaderShareRank":1120,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":17,"stateMedianHhi":2226,"stateName":"Pennsylvania","totalDepositsThousands":1669159,"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":24,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":771,"hhi":3058,"hhiPercentile":55.6,"hhiRank":1380,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":49.9,"leaderShareRank":1072,"organizationCount":8,"organizationDepthRank":950,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":16,"stateMedianHhi":2076,"stateName":"Pennsylvania","totalDepositsThousands":1660852,"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":23,"concentrationClass":"highly_concentrated","countyFips":"42111","countyName":"Somerset","depositRank":755,"hhi":3202,"hhiPercentile":58.2,"hhiRank":1299,"leadingOrganization":"SOMERSET TRUST HOLDING COMPANY","leadingOrganizationSharePct":51.6,"leaderShareRank":997,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42111","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":15,"stateMedianHhi":2095,"stateName":"Pennsylvania","totalDepositsThousands":1765196,"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."}]}