{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"banking-markets","screenKey":"us-county-bank-branch-deposits","screenLabel":"County FDIC-insured branch deposits","year":2025,"metricLabel":"County deposit HHI","metricUnit":"HHI (0-10,000)","summary":{"branchCount":73568,"countyCount":3104,"highHhiCount":1792,"medianHhi":2826,"singleOrganizationCount":187,"stateCount":51,"totalDepositsThousands":18009447842},"source":{"accessDate":"2026-07-19","apiUrl":"https://api.fdic.gov/banks/sod?filters=YEAR%3A2025&fields=YEAR%2CCERT%2CNAMEFULL%2CSTALPBR%2CSTNAMEBR%2CSTCNTYBR%2CCNTYNAMB%2CDEPSUMBR%2CRSSDHCR%2CNAMEHCR","confidenceLevel":"high","dataStatus":"estimated_public","id":"fdic-sod-2025","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","publisher":"Federal Deposit Insurance Corporation","title":"2025 Summary of Deposits","url":"https://banks.data.fdic.gov/bankfind-suite/SOD","profileHref":"/sources/fdic-sod-2025"},"guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions.","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","matchedCount":4,"count":4,"filters":{"states":[],"statesMatched":true,"matchedStateCodes":[],"county":null,"countyMatched":null,"fips":null,"fipsMatched":null,"fipses":["39059","31027","56033","21155"],"fipsesMatched":true,"matchedFipses":["39059","31027","56033","21155"],"unmatchedFipses":[],"selectionOrder":true,"history":null,"historyMatched":true,"from":null,"fromMatched":true,"to":null,"toMatched":true,"rangeMatched":true,"query":null,"concentrationClass":null,"concentrationClassMatched":true,"source":null,"sourceMatched":null,"year":null,"yearMatched":null,"sort":"hhi","sortMatched":true,"order":"desc","orderMatched":true,"limit":null,"limitMatched":true},"availableSorts":["hhi","leader_share","organizations","branches","deposits","county"],"availableConcentrationClasses":["unconcentrated","moderately_concentrated","highly_concentrated"],"rows":[{"branchCount":10,"concentrationClass":"moderately_concentrated","countyFips":"39059","countyName":"Guernsey","depositRank":1222,"hhi":2203,"hhiPercentile":33.8,"hhiRank":2056,"leadingOrganization":"PEOPLES BANCORP INC.","leadingOrganizationSharePct":33.3,"leaderShareRank":2054,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/39059","stateCode":"OH","stateCountyCount":88,"stateHref":"/geographies/ohio","stateHhiRank":38,"stateMedianHhi":2099,"stateName":"Ohio","totalDepositsThousands":917422,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":12,"concentrationClass":"moderately_concentrated","countyFips":"31027","countyName":"Cedar","depositRank":1800,"hhi":2203,"hhiPercentile":33.8,"hhiRank":2056,"leadingOrganization":"EMPLOYEE STOCK OWNERSHIP PLAN ACCOUNTS TRUST OF THE SECURITY BANK KSOP & TRUST","leadingOrganizationSharePct":34,"leaderShareRank":2003,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/31027","stateCode":"NE","stateCountyCount":90,"stateHref":"/geographies/nebraska","stateHhiRank":67,"stateMedianHhi":3050,"stateName":"Nebraska","totalDepositsThousands":484290,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":14,"concentrationClass":"moderately_concentrated","countyFips":"56033","countyName":"Sheridan","depositRank":908,"hhi":2203,"hhiPercentile":33.8,"hhiRank":2056,"leadingOrganization":"First Federal Bank & Trust","leadingOrganizationSharePct":37.2,"leaderShareRank":1791,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":4,"profileHref":"/geographies/banking/56033","stateCode":"WY","stateCountyCount":23,"stateHref":"/geographies/wyoming","stateHhiRank":20,"stateMedianHhi":2880,"stateName":"Wyoming","totalDepositsThousands":1359878,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":8,"concentrationClass":"moderately_concentrated","countyFips":"21155","countyName":"Marion","depositRank":1684,"hhi":2202,"hhiPercentile":33.7,"hhiRank":2059,"leadingOrganization":"CNB OF LEBANON BANCORP, INC.","leadingOrganizationSharePct":25.9,"leaderShareRank":2556,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/21155","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":95,"stateMedianHhi":3385,"stateName":"Kentucky","totalDepositsThousands":550466,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."}]}