{"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","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":9,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":1977,"hhi":1990,"hhiPercentile":30.8,"hhiRank":2153,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":31.2,"leaderShareRank":2117,"organizationCount":7,"organizationDepthRank":1202,"organizationsOver5pct":6,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":197,"stateMedianHhi":3362,"stateName":"Texas","totalDepositsThousands":294073,"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":9,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":1943,"hhi":2013,"hhiPercentile":31.4,"hhiRank":2135,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":31.9,"leaderShareRank":2063,"organizationCount":7,"organizationDepthRank":1192,"organizationsOver5pct":6,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":195,"stateMedianHhi":3283,"stateName":"Texas","totalDepositsThousands":307561,"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":9,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":2008,"hhi":1932,"hhiPercentile":29.3,"hhiRank":2201,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":28.4,"leaderShareRank":2341,"organizationCount":7,"organizationDepthRank":1189,"organizationsOver5pct":6,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":203,"stateMedianHhi":3328,"stateName":"Texas","totalDepositsThousands":296972,"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. 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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. 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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":7,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":2058,"hhi":2399,"hhiPercentile":39.6,"hhiRank":1877,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":36.6,"leaderShareRank":1821,"organizationCount":6,"organizationDepthRank":1341,"organizationsOver5pct":5,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":182,"stateMedianHhi":3440,"stateName":"Texas","totalDepositsThousands":359469,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":2122,"hhi":2485,"hhiPercentile":42.1,"hhiRank":1800,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":39.3,"leaderShareRank":1649,"organizationCount":6,"organizationDepthRank":1340,"organizationsOver5pct":5,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":173,"stateMedianHhi":3545,"stateName":"Texas","totalDepositsThousands":343766,"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":7,"concentrationClass":"moderately_concentrated","countyFips":"48161","countyName":"Freestone","depositRank":2205,"hhi":2468,"hhiPercentile":41.2,"hhiRank":1826,"leadingOrganization":"COMMUNITY BANK HOLDINGS OF TEXAS, INC.","leadingOrganizationSharePct":40.8,"leaderShareRank":1565,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":6,"profileHref":"/geographies/banking/48161","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":174,"stateMedianHhi":3446,"stateName":"Texas","totalDepositsThousands":314419,"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."}]}