{"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":"48419","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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1354,"hhi":3018,"hhiPercentile":59.4,"hhiRank":1263,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":47.1,"leaderShareRank":1066,"organizationCount":8,"organizationDepthRank":1041,"organizationsOver5pct":5,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":139,"stateMedianHhi":3293,"stateName":"Texas","totalDepositsThousands":514760,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1339,"hhi":3044,"hhiPercentile":59.4,"hhiRank":1264,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":46.1,"leaderShareRank":1123,"organizationCount":8,"organizationDepthRank":1042,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":139,"stateMedianHhi":3311,"stateName":"Texas","totalDepositsThousands":531244,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1406,"hhi":2924,"hhiPercentile":56.3,"hhiRank":1360,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":42.4,"leaderShareRank":1330,"organizationCount":8,"organizationDepthRank":1033,"organizationsOver5pct":3,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":146,"stateMedianHhi":3362,"stateName":"Texas","totalDepositsThousands":511957,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1418,"hhi":2856,"hhiPercentile":54.1,"hhiRank":1427,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":39.5,"leaderShareRank":1524,"organizationCount":8,"organizationDepthRank":1009,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":151,"stateMedianHhi":3283,"stateName":"Texas","totalDepositsThousands":514731,"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":15,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1429,"hhi":2988,"hhiPercentile":56.8,"hhiRank":1344,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":43.1,"leaderShareRank":1302,"organizationCount":8,"organizationDepthRank":1001,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":139,"stateMedianHhi":3328,"stateName":"Texas","totalDepositsThousands":519106,"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":16,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1414,"hhi":3029,"hhiPercentile":56.8,"hhiRank":1345,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":44.5,"leaderShareRank":1258,"organizationCount":8,"organizationDepthRank":987,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":141,"stateMedianHhi":3362,"stateName":"Texas","totalDepositsThousands":592855,"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":16,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1404,"hhi":3129,"hhiPercentile":58.1,"hhiRank":1303,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":47.1,"leaderShareRank":1142,"organizationCount":8,"organizationDepthRank":962,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":141,"stateMedianHhi":3408,"stateName":"Texas","totalDepositsThousands":675250,"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":15,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1449,"hhi":2855,"hhiPercentile":51.8,"hhiRank":1501,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":41.8,"leaderShareRank":1475,"organizationCount":8,"organizationDepthRank":954,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":249,"stateHref":"/geographies/texas","stateHhiRank":152,"stateMedianHhi":3517,"stateName":"Texas","totalDepositsThousands":674283,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1512,"hhi":2817,"hhiPercentile":50.4,"hhiRank":1542,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":41.2,"leaderShareRank":1538,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":153,"stateMedianHhi":3440,"stateName":"Texas","totalDepositsThousands":620334,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1560,"hhi":2784,"hhiPercentile":49.8,"hhiRank":1561,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":40.6,"leaderShareRank":1559,"organizationCount":8,"organizationDepthRank":950,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":154,"stateMedianHhi":3545,"stateName":"Texas","totalDepositsThousands":607786,"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":14,"concentrationClass":"highly_concentrated","countyFips":"48419","countyName":"Shelby","depositRank":1573,"hhi":2844,"hhiPercentile":50.5,"hhiRank":1537,"leadingOrganization":"FARMERS BANCSHARES, INC.","leadingOrganizationSharePct":40.5,"leaderShareRank":1591,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48419","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":150,"stateMedianHhi":3446,"stateName":"Texas","totalDepositsThousands":616212,"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."}]}