{"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":["42051","21059","28075","13129"],"fipsesMatched":true,"matchedFipses":["42051","21059","28075","13129"],"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":29,"concentrationClass":"moderately_concentrated","countyFips":"42051","countyName":"Fayette","depositRank":550,"hhi":1836,"hhiPercentile":23.6,"hhiRank":2371,"leadingOrganization":"PNC FINANCIAL SERVICES GROUP, INC., THE","leadingOrganizationSharePct":28.8,"leaderShareRank":2369,"organizationCount":10,"organizationDepthRank":680,"organizationsOver5pct":5,"profileHref":"/geographies/banking/42051","stateCode":"PA","stateCountyCount":66,"stateHref":"/geographies/pennsylvania","stateHhiRank":39,"stateMedianHhi":2095,"stateName":"Pennsylvania","totalDepositsThousands":2732783,"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":26,"concentrationClass":"moderately_concentrated","countyFips":"21059","countyName":"Daviess","depositRank":488,"hhi":1835,"hhiPercentile":23.6,"hhiRank":2372,"leadingOrganization":"INDEPENDENCE BANCSHARES, INC.","leadingOrganizationSharePct":36,"leaderShareRank":1864,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":7,"profileHref":"/geographies/banking/21059","stateCode":"KY","stateCountyCount":120,"stateHref":"/geographies/kentucky","stateHhiRank":102,"stateMedianHhi":3385,"stateName":"Kentucky","totalDepositsThousands":3148459,"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":30,"concentrationClass":"moderately_concentrated","countyFips":"28075","countyName":"Lauderdale","depositRank":725,"hhi":1837,"hhiPercentile":23.7,"hhiRank":2370,"leadingOrganization":"CITIZENS NATIONAL BANC CORP.","leadingOrganizationSharePct":33.2,"leaderShareRank":2065,"organizationCount":10,"organizationDepthRank":680,"organizationsOver5pct":6,"profileHref":"/geographies/banking/28075","stateCode":"MS","stateCountyCount":82,"stateHref":"/geographies/mississippi","stateHhiRank":72,"stateMedianHhi":3358,"stateName":"Mississippi","totalDepositsThousands":1852602,"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":9,"concentrationClass":"moderately_concentrated","countyFips":"13129","countyName":"Gordon","depositRank":1076,"hhi":1834,"hhiPercentile":23.6,"hhiRank":2373,"leadingOrganization":"SYNOVUS FINANCIAL CORP.","leadingOrganizationSharePct":31.5,"leaderShareRank":2179,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":7,"profileHref":"/geographies/banking/13129","stateCode":"GA","stateCountyCount":156,"stateHref":"/geographies/georgia","stateHhiRank":124,"stateMedianHhi":3587,"stateName":"Georgia","totalDepositsThousands":1083534,"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."}]}