{"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":["48181","29115","28113","25003"],"fipsesMatched":true,"matchedFipses":["48181","29115","28113","25003"],"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":39,"concentrationClass":"moderately_concentrated","countyFips":"48181","countyName":"Grayson","depositRank":411,"hhi":2019,"hhiPercentile":28.9,"hhiRank":2208,"leadingOrganization":"SPEND LIFE WISELY COMPANY, INC.","leadingOrganizationSharePct":36.4,"leaderShareRank":1836,"organizationCount":17,"organizationDepthRank":277,"organizationsOver5pct":4,"profileHref":"/geographies/banking/48181","stateCode":"TX","stateCountyCount":250,"stateHref":"/geographies/texas","stateHhiRank":203,"stateMedianHhi":3446,"stateName":"Texas","totalDepositsThousands":3954385,"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":11,"concentrationClass":"moderately_concentrated","countyFips":"29115","countyName":"Linn","depositRank":1641,"hhi":2019,"hhiPercentile":28.9,"hhiRank":2208,"leadingOrganization":"RMB BANCSHARES, INC.","leadingOrganizationSharePct":29,"leaderShareRank":2357,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":6,"profileHref":"/geographies/banking/29115","stateCode":"MO","stateCountyCount":115,"stateHref":"/geographies/missouri","stateHhiRank":85,"stateMedianHhi":2756,"stateName":"Missouri","totalDepositsThousands":579620,"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":16,"concentrationClass":"moderately_concentrated","countyFips":"28113","countyName":"Pike","depositRank":1150,"hhi":2019,"hhiPercentile":28.9,"hhiRank":2208,"leadingOrganization":"FIRST SOUTHWEST CORPORATION","leadingOrganizationSharePct":27,"leaderShareRank":2486,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/28113","stateCode":"MS","stateCountyCount":82,"stateHref":"/geographies/mississippi","stateHhiRank":69,"stateMedianHhi":3358,"stateName":"Mississippi","totalDepositsThousands":1001718,"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":49,"concentrationClass":"moderately_concentrated","countyFips":"25003","countyName":"Berkshire","depositRank":361,"hhi":2020,"hhiPercentile":28.9,"hhiRank":2207,"leadingOrganization":"BERKSHIRE HILLS BANCORP, INC","leadingOrganizationSharePct":35.7,"leaderShareRank":1884,"organizationCount":9,"organizationDepthRank":797,"organizationsOver5pct":7,"profileHref":"/geographies/banking/25003","stateCode":"MA","stateCountyCount":14,"stateHref":"/geographies/massachusetts","stateHhiRank":5,"stateMedianHhi":1425,"stateName":"Massachusetts","totalDepositsThousands":4639205,"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."}]}