{"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":["46091","38055","27167","47033"],"fipsesMatched":true,"matchedFipses":["46091","38055","27167","47033"],"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":4,"concentrationClass":"highly_concentrated","countyFips":"46091","countyName":"Marshall","depositRank":2757,"hhi":4462,"hhiPercentile":75.8,"hhiRank":751,"leadingOrganization":"FARRAR BERESFORD BANCORPORATION INC. IRREVOCABLE TRUST","leadingOrganizationSharePct":60.8,"leaderShareRank":637,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/46091","stateCode":"SD","stateCountyCount":64,"stateHref":"/geographies/south-dakota","stateHhiRank":36,"stateMedianHhi":4820,"stateName":"South Dakota","totalDepositsThousands":136075,"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":7,"concentrationClass":"highly_concentrated","countyFips":"38055","countyName":"McLean","depositRank":1917,"hhi":4468,"hhiPercentile":75.9,"hhiRank":750,"leadingOrganization":"MCLEAN BANK HOLDING COMPANY","leadingOrganizationSharePct":62.9,"leaderShareRank":581,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/38055","stateCode":"ND","stateCountyCount":51,"stateHref":"/geographies/north-dakota","stateHhiRank":21,"stateMedianHhi":3852,"stateName":"North Dakota","totalDepositsThousands":435509,"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":4,"concentrationClass":"highly_concentrated","countyFips":"27167","countyName":"Wilkin","depositRank":2695,"hhi":4471,"hhiPercentile":75.9,"hhiRank":749,"leadingOrganization":"OLD NATIONAL BANCORP","leadingOrganizationSharePct":62.5,"leaderShareRank":591,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/27167","stateCode":"MN","stateCountyCount":87,"stateHref":"/geographies/minnesota","stateHhiRank":11,"stateMedianHhi":2159,"stateName":"Minnesota","totalDepositsThousands":154988,"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":"highly_concentrated","countyFips":"47033","countyName":"Crockett","depositRank":2148,"hhi":4473,"hhiPercentile":75.9,"hhiRank":748,"leadingOrganization":"SECURITY BANCORP OF TENNESSEE, INC.","leadingOrganizationSharePct":64.7,"leaderShareRank":526,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/47033","stateCode":"TN","stateCountyCount":95,"stateHref":"/geographies/tennessee","stateHhiRank":23,"stateMedianHhi":2731,"stateName":"Tennessee","totalDepositsThousands":338445,"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."}]}