{"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":82,"count":82,"filters":{"states":["MI"],"statesMatched":true,"matchedStateCodes":["MI"],"county":null,"countyMatched":null,"fips":null,"fipsMatched":null,"fipses":[],"fipsesMatched":null,"matchedFipses":[],"unmatchedFipses":[],"selectionOrder":false,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26001","countyName":"Alcona","depositRank":2988,"hhi":10000,"hhiPercentile":100,"hhiRank":1,"leadingOrganization":"HURON COMMUNITY FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":100,"leaderShareRank":1,"organizationCount":1,"organizationDepthRank":2918,"organizationsOver5pct":1,"profileHref":"/geographies/banking/26001","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":1,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":64794,"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":5,"concentrationClass":"highly_concentrated","countyFips":"26003","countyName":"Alger","depositRank":2708,"hhi":10000,"hhiPercentile":100,"hhiRank":1,"leadingOrganization":"PEOPLES STATE BANCORP, INC.","leadingOrganizationSharePct":100,"leaderShareRank":1,"organizationCount":1,"organizationDepthRank":2918,"organizationsOver5pct":1,"profileHref":"/geographies/banking/26003","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":1,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":149877,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26013","countyName":"Baraga","depositRank":2419,"hhi":10000,"hhiPercentile":100,"hhiRank":1,"leadingOrganization":"KEWEENAW FINANCIAL CORPORATION","leadingOrganizationSharePct":100,"leaderShareRank":1,"organizationCount":1,"organizationDepthRank":2918,"organizationsOver5pct":1,"profileHref":"/geographies/banking/26013","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":1,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":240589,"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":1,"concentrationClass":"highly_concentrated","countyFips":"26079","countyName":"Kalkaska","depositRank":2887,"hhi":10000,"hhiPercentile":100,"hhiRank":1,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":100,"leaderShareRank":1,"organizationCount":1,"organizationDepthRank":2918,"organizationsOver5pct":1,"profileHref":"/geographies/banking/26079","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":1,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":100520,"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":3,"concentrationClass":"highly_concentrated","countyFips":"26085","countyName":"Lake","depositRank":2691,"hhi":10000,"hhiPercentile":100,"hhiRank":1,"leadingOrganization":"LAKE FINANCIAL CORPORATION","leadingOrganizationSharePct":100,"leaderShareRank":1,"organizationCount":1,"organizationDepthRank":2918,"organizationsOver5pct":1,"profileHref":"/geographies/banking/26085","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":1,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":155353,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26039","countyName":"Crawford","depositRank":2759,"hhi":6502,"hhiPercentile":90.6,"hhiRank":293,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":77.4,"leaderShareRank":300,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26039","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":6,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":134917,"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":"26097","countyName":"Mackinac","depositRank":2169,"hhi":6207,"hhiPercentile":89.7,"hhiRank":322,"leadingOrganization":"MACKINAC NATIONAL BANCORP, INC.","leadingOrganizationSharePct":77,"leaderShareRank":305,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26097","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":7,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":331055,"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":"26015","countyName":"Barry","depositRank":1530,"hhi":5677,"hhiPercentile":87.1,"hhiRank":400,"leadingOrganization":"HCB FINANCIAL CORP.","leadingOrganizationSharePct":74.1,"leaderShareRank":343,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26015","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":8,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":642939,"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":3,"concentrationClass":"highly_concentrated","countyFips":"26051","countyName":"Gladwin","depositRank":2346,"hhi":5650,"hhiPercentile":87,"hhiRank":406,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":68,"leaderShareRank":453,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26051","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":9,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":263243,"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":"26033","countyName":"Chippewa","depositRank":1742,"hhi":5561,"hhiPercentile":86.5,"hhiRank":420,"leadingOrganization":"CENTRAL BANK CORPORATION","leadingOrganizationSharePct":71.7,"leaderShareRank":384,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26033","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":10,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":515958,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26141","countyName":"Presque Isle","depositRank":2824,"hhi":5444,"hhiPercentile":85.6,"hhiRank":449,"leadingOrganization":"HURON NATIONAL BANCORP, INC.","leadingOrganizationSharePct":64.9,"leaderShareRank":521,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26141","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":11,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":118626,"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":3,"concentrationClass":"highly_concentrated","countyFips":"26153","countyName":"Schoolcraft","depositRank":2637,"hhi":5395,"hhiPercentile":85.1,"hhiRank":465,"leadingOrganization":"SSB, INC.","leadingOrganizationSharePct":64,"leaderShareRank":552,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26153","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":12,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":172907,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26095","countyName":"Luce","depositRank":2754,"hhi":5267,"hhiPercentile":83.8,"hhiRank":505,"leadingOrganization":"NICOLET BANKSHARES, INC.","leadingOrganizationSharePct":61.6,"leaderShareRank":616,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26095","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":13,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":136347,"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":"26133","countyName":"Osceola","depositRank":2093,"hhi":5119,"hhiPercentile":81.8,"hhiRank":566,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":57.7,"leaderShareRank":747,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26133","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":14,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":361992,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26119","countyName":"Montmorency","depositRank":2926,"hhi":5082,"hhiPercentile":81.5,"hhiRank":576,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":56.4,"leaderShareRank":791,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26119","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":15,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":88246,"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":2,"concentrationClass":"highly_concentrated","countyFips":"26135","countyName":"Oscoda","depositRank":2892,"hhi":5002,"hhiPercentile":79.6,"hhiRank":634,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":51,"leaderShareRank":1032,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26135","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":16,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":99298,"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":3,"concentrationClass":"highly_concentrated","countyFips":"26113","countyName":"Missaukee","depositRank":2722,"hhi":4586,"hhiPercentile":77,"hhiRank":715,"leadingOrganization":"HORIZON BANCORP, INC.","leadingOrganizationSharePct":49.2,"leaderShareRank":1112,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":2,"profileHref":"/geographies/banking/26113","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":17,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":145607,"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":"26031","countyName":"Cheboygan","depositRank":1954,"hhi":4571,"hhiPercentile":76.9,"hhiRank":717,"leadingOrganization":"CNB CORPORATION","leadingOrganizationSharePct":62.9,"leaderShareRank":581,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26031","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":18,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":419317,"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":"26105","countyName":"Mason","depositRank":1567,"hhi":4451,"hhiPercentile":75.8,"hhiRank":752,"leadingOrganization":"WEST SHORE BANK CORPORATION","leadingOrganizationSharePct":63.9,"leaderShareRank":555,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26105","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":19,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":618920,"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":"26009","countyName":"Antrim","depositRank":1849,"hhi":4439,"hhiPercentile":75.8,"hhiRank":753,"leadingOrganization":"Alden State Bank","leadingOrganizationSharePct":60.3,"leaderShareRank":651,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26009","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":20,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":465731,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26019","countyName":"Benzie","depositRank":2003,"hhi":4366,"hhiPercentile":75.1,"hhiRank":775,"leadingOrganization":"CENTRAL-STATE BANCORP, INC.","leadingOrganizationSharePct":51.4,"leaderShareRank":1012,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26019","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":21,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":397390,"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":"26089","countyName":"Leelanau","depositRank":1973,"hhi":4211,"hhiPercentile":73.2,"hhiRank":833,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":59.6,"leaderShareRank":680,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26089","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":22,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":409293,"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":"26131","countyName":"Ontonagon","depositRank":2807,"hhi":3930,"hhiPercentile":70.2,"hhiRank":927,"leadingOrganization":"CITIZENS BANCSHARES, INC.","leadingOrganizationSharePct":50.7,"leaderShareRank":1052,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26131","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":23,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":122659,"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":"26007","countyName":"Alpena","depositRank":2099,"hhi":3907,"hhiPercentile":69.9,"hhiRank":936,"leadingOrganization":"NICOLET BANKSHARES, INC.","leadingOrganizationSharePct":49.5,"leaderShareRank":1104,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26007","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":24,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":359325,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26129","countyName":"Ogemaw","depositRank":2007,"hhi":3813,"hhiPercentile":68.8,"hhiRank":968,"leadingOrganization":"MERCANTILE BANK CORPORATION","leadingOrganizationSharePct":55.5,"leaderShareRank":833,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26129","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":25,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":395302,"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":"highly_concentrated","countyFips":"26073","countyName":"Isabella","depositRank":914,"hhi":3804,"hhiPercentile":68.6,"hhiRank":976,"leadingOrganization":"ISABELLA BANK CORPORATION","leadingOrganizationSharePct":55,"leaderShareRank":848,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26073","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":26,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1348414,"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":"26059","countyName":"Hillsdale","depositRank":1364,"hhi":3782,"hhiPercentile":68,"hhiRank":994,"leadingOrganization":"CNB COMMUNITY BANCORP, INC.","leadingOrganizationSharePct":56.7,"leaderShareRank":778,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26059","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":27,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":777146,"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":"highly_concentrated","countyFips":"26029","countyName":"Charlevoix","depositRank":1758,"hhi":3774,"hhiPercentile":67.9,"hhiRank":996,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":43.7,"leaderShareRank":1373,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26029","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":28,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":509408,"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":"26069","countyName":"Iosco","depositRank":2051,"hhi":3640,"hhiPercentile":66.1,"hhiRank":1052,"leadingOrganization":"HURON COMMUNITY FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":41.9,"leaderShareRank":1491,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26069","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":29,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":376812,"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":5,"concentrationClass":"highly_concentrated","countyFips":"26035","countyName":"Clare","depositRank":1987,"hhi":3577,"hhiPercentile":64.9,"hhiRank":1091,"leadingOrganization":"ISABELLA BANK CORPORATION","leadingOrganizationSharePct":41.7,"leaderShareRank":1500,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/26035","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":30,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":403630,"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":5,"concentrationClass":"highly_concentrated","countyFips":"26143","countyName":"Roscommon","depositRank":1897,"hhi":3463,"hhiPercentile":63,"hhiRank":1150,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":43.4,"leaderShareRank":1393,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26143","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":31,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":444103,"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":"highly_concentrated","countyFips":"26023","countyName":"Branch","depositRank":1122,"hhi":3308,"hhiPercentile":59.8,"hhiRank":1248,"leadingOrganization":"SOUTHERN MICHIGAN BANCORP, INC.","leadingOrganizationSharePct":49.1,"leaderShareRank":1118,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26023","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":32,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1030021,"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":"highly_concentrated","countyFips":"26061","countyName":"Houghton","depositRank":1202,"hhi":3196,"hhiPercentile":58,"hhiRank":1304,"leadingOrganization":"KEWEENAW FINANCIAL CORPORATION","leadingOrganizationSharePct":50.9,"leaderShareRank":1042,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26061","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":33,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":935245,"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":234,"concentrationClass":"highly_concentrated","countyFips":"26163","countyName":"Wayne","depositRank":37,"hhi":3120,"hhiPercentile":56.5,"hhiRank":1350,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":46.5,"leaderShareRank":1242,"organizationCount":16,"organizationDepthRank":316,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26163","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":34,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":76162454,"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":"highly_concentrated","countyFips":"26057","countyName":"Gratiot","depositRank":1430,"hhi":3101,"hhiPercentile":56.2,"hhiRank":1362,"leadingOrganization":"COMMERCIAL NATIONAL FINANCIAL CORPORATION","leadingOrganizationSharePct":41.4,"leaderShareRank":1520,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26057","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":35,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":724956,"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":"26027","countyName":"Cass","depositRank":2041,"hhi":3072,"hhiPercentile":55.7,"hhiRank":1376,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":41.7,"leaderShareRank":1500,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26027","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":36,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":381429,"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":5,"concentrationClass":"highly_concentrated","countyFips":"26011","countyName":"Arenac","depositRank":2314,"hhi":2995,"hhiPercentile":54,"hhiRank":1428,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":37.3,"leaderShareRank":1781,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26011","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":37,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":274807,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26109","countyName":"Menominee","depositRank":2444,"hhi":2995,"hhiPercentile":54,"hhiRank":1428,"leadingOrganization":"FLAGSTAR FINANCIAL, INC.","leadingOrganizationSharePct":41.5,"leaderShareRank":1516,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26109","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":37,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":232648,"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":"highly_concentrated","countyFips":"26041","countyName":"Delta","depositRank":1394,"hhi":2953,"hhiPercentile":53,"hhiRank":1460,"leadingOrganization":"FIRST BANCSHARES CORPORATION","leadingOrganizationSharePct":36.9,"leaderShareRank":1811,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26041","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":39,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":757247,"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":"26071","countyName":"Iron","depositRank":2546,"hhi":2927,"hhiPercentile":52.3,"hhiRank":1481,"leadingOrganization":"MSB BANKSHARES, INC.","leadingOrganizationSharePct":36.6,"leaderShareRank":1826,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26071","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":40,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":195957,"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":"highly_concentrated","countyFips":"26067","countyName":"Ionia","depositRank":1401,"hhi":2897,"hhiPercentile":51.6,"hhiRank":1504,"leadingOrganization":"INDEPENDENT BANK CORPORATION","leadingOrganizationSharePct":40.2,"leaderShareRank":1604,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26067","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":41,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":751259,"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":"highly_concentrated","countyFips":"26111","countyName":"Midland","depositRank":952,"hhi":2845,"hhiPercentile":50.5,"hhiRank":1536,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":46.7,"leaderShareRank":1231,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26111","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":42,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1270021,"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":"highly_concentrated","countyFips":"26127","countyName":"Oceana","depositRank":1911,"hhi":2822,"hhiPercentile":49.9,"hhiRank":1557,"leadingOrganization":"SHELBY FINANCIAL CORPORATION","leadingOrganizationSharePct":38.4,"leaderShareRank":1714,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26127","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":43,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":436491,"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":45,"concentrationClass":"highly_concentrated","countyFips":"26049","countyName":"Genesee","depositRank":318,"hhi":2795,"hhiPercentile":49.3,"hhiRank":1576,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":39.4,"leaderShareRank":1646,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26049","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":44,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":5466527,"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":18,"concentrationClass":"highly_concentrated","countyFips":"26017","countyName":"Bay","depositRank":939,"hhi":2760,"hhiPercentile":48.4,"hhiRank":1603,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":38,"leaderShareRank":1734,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26017","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":45,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1300880,"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":22,"concentrationClass":"highly_concentrated","countyFips":"26115","countyName":"Monroe","depositRank":596,"hhi":2691,"hhiPercentile":46.9,"hhiRank":1648,"leadingOrganization":"FIRST MERCHANTS CORPORATION","leadingOrganizationSharePct":42.4,"leaderShareRank":1462,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26115","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":46,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2478783,"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":6,"concentrationClass":"highly_concentrated","countyFips":"26053","countyName":"Gogebic","depositRank":2282,"hhi":2641,"hhiPercentile":45.8,"hhiRank":1684,"leadingOrganization":"WEST END FINANCIAL CORP.","leadingOrganizationSharePct":30.8,"leaderShareRank":2231,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26053","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":47,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":287727,"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":18,"concentrationClass":"highly_concentrated","countyFips":"26087","countyName":"Lapeer","depositRank":828,"hhi":2640,"hhiPercentile":45.7,"hhiRank":1685,"leadingOrganization":"CHOICEONE FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":44,"leaderShareRank":1352,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26087","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":48,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1531713,"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":"26123","countyName":"Newaygo","depositRank":1741,"hhi":2537,"hhiPercentile":43.5,"hhiRank":1756,"leadingOrganization":"CHOICEONE FINANCIAL SERVICES, INC.","leadingOrganizationSharePct":33.7,"leaderShareRank":2018,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26123","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":49,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":516759,"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":"moderately_concentrated","countyFips":"26037","countyName":"Clinton","depositRank":1619,"hhi":2467,"hhiPercentile":41.2,"hhiRank":1827,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":32.1,"leaderShareRank":2139,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26037","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":50,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":593902,"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":6,"concentrationClass":"moderately_concentrated","countyFips":"26137","countyName":"Otsego","depositRank":1626,"hhi":2379,"hhiPercentile":38.9,"hhiRank":1896,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":31.9,"leaderShareRank":2150,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26137","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":51,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":587930,"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":"26165","countyName":"Wexford","depositRank":1599,"hhi":2363,"hhiPercentile":38.5,"hhiRank":1909,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":30.2,"leaderShareRank":2264,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26165","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":52,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":605545,"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":10,"concentrationClass":"moderately_concentrated","countyFips":"26155","countyName":"Shiawassee","depositRank":1458,"hhi":2350,"hhiPercentile":38.3,"hhiRank":1915,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":35,"leaderShareRank":1924,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26155","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":53,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":696261,"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":21,"concentrationClass":"moderately_concentrated","countyFips":"26149","countyName":"St. Joseph","depositRank":1131,"hhi":2302,"hhiPercentile":36.9,"hhiRank":1959,"leadingOrganization":"STURGIS BANCORP, INC.","leadingOrganizationSharePct":38.3,"leaderShareRank":1717,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":7,"profileHref":"/geographies/banking/26149","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":54,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1016701,"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":"26101","countyName":"Manistee","depositRank":2067,"hhi":2240,"hhiPercentile":35,"hhiRank":2020,"leadingOrganization":"WEST SHORE BANK CORPORATION","leadingOrganizationSharePct":28.8,"leaderShareRank":2369,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26101","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":55,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":370039,"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":13,"concentrationClass":"moderately_concentrated","countyFips":"26043","countyName":"Dickinson","depositRank":1428,"hhi":2229,"hhiPercentile":34.5,"hhiRank":2034,"leadingOrganization":"FNB BANCSHARES, INC.","leadingOrganizationSharePct":40.1,"leaderShareRank":1609,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26043","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":56,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":725350,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26005","countyName":"Allegan","depositRank":876,"hhi":2139,"hhiPercentile":31.7,"hhiRank":2120,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":27.8,"leaderShareRank":2438,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26005","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":57,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1423829,"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":"26107","countyName":"Mecosta","depositRank":1441,"hhi":2098,"hhiPercentile":30.8,"hhiRank":2150,"leadingOrganization":"ISABELLA BANK CORPORATION","leadingOrganizationSharePct":33.7,"leaderShareRank":2018,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26107","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":58,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":714247,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26151","countyName":"Sanilac","depositRank":1253,"hhi":2097,"hhiPercentile":30.7,"hhiRank":2152,"leadingOrganization":"TRI-COUNTY BANCORP, INC.","leadingOrganizationSharePct":28.8,"leaderShareRank":2369,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26151","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":59,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":887569,"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":27,"concentrationClass":"moderately_concentrated","countyFips":"26055","countyName":"Grand Traverse","depositRank":436,"hhi":2063,"hhiPercentile":30.2,"hhiRank":2167,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":37.2,"leaderShareRank":1791,"organizationCount":12,"organizationDepthRank":515,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26055","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":60,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":3639998,"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":"26157","countyName":"Tuscola","depositRank":1642,"hhi":2060,"hhiPercentile":30.1,"hhiRank":2170,"leadingOrganization":"INDEPENDENT BANK CORPORATION","leadingOrganizationSharePct":27.9,"leaderShareRank":2432,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26157","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":61,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":579582,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26091","countyName":"Lenawee","depositRank":867,"hhi":2051,"hhiPercentile":29.9,"hhiRank":2177,"leadingOrganization":"WESBANCO, INC.","leadingOrganizationSharePct":30.3,"leaderShareRank":2256,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26091","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":62,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1442443,"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":32,"concentrationClass":"moderately_concentrated","countyFips":"26147","countyName":"St. Clair","depositRank":549,"hhi":2001,"hhiPercentile":28.5,"hhiRank":2220,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":28.3,"leaderShareRank":2410,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26147","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":63,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2740130,"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":18,"concentrationClass":"moderately_concentrated","countyFips":"26103","countyName":"Marquette","depositRank":986,"hhi":1999,"hhiPercentile":28.4,"hhiRank":2224,"leadingOrganization":"RANGE FINANCIAL CORPORATION","leadingOrganizationSharePct":29.1,"leaderShareRank":2352,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26103","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":64,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1211473,"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":"26047","countyName":"Emmet","depositRank":1044,"hhi":1976,"hhiPercentile":27.7,"hhiRank":2245,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":30.2,"leaderShareRank":2264,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26047","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":65,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1121405,"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":17,"concentrationClass":"moderately_concentrated","countyFips":"26063","countyName":"Huron","depositRank":1081,"hhi":1801,"hhiPercentile":22.6,"hhiRank":2402,"leadingOrganization":"INDEPENDENT BANK CORPORATION","leadingOrganizationSharePct":24.2,"leaderShareRank":2664,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26063","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":66,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1077848,"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":"26021","countyName":"Berrien","depositRank":630,"hhi":1787,"hhiPercentile":22.3,"hhiRank":2412,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":29.3,"leaderShareRank":2337,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26021","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":67,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2248913,"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":31,"concentrationClass":"moderately_concentrated","countyFips":"26075","countyName":"Jackson","depositRank":619,"hhi":1770,"hhiPercentile":21.8,"hhiRank":2428,"leadingOrganization":"FLAGSTAR FINANCIAL, INC.","leadingOrganizationSharePct":26.9,"leaderShareRank":2489,"organizationCount":13,"organizationDepthRank":451,"organizationsOver5pct":4,"profileHref":"/geographies/banking/26075","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":68,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2308155,"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":"26159","countyName":"Van Buren","depositRank":1463,"hhi":1754,"hhiPercentile":21.3,"hhiRank":2444,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":23.1,"leaderShareRank":2747,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26159","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":69,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":690911,"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":"26121","countyName":"Muskegon","depositRank":662,"hhi":1726,"hhiPercentile":20.4,"hhiRank":2472,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":24.9,"leaderShareRank":2622,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26121","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":70,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2118743,"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":58,"concentrationClass":"moderately_concentrated","countyFips":"26139","countyName":"Ottawa","depositRank":301,"hhi":1719,"hhiPercentile":20.2,"hhiRank":2477,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":23.3,"leaderShareRank":2734,"organizationCount":15,"organizationDepthRank":364,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26139","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":71,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":5842388,"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":"26117","countyName":"Montcalm","depositRank":1190,"hhi":1706,"hhiPercentile":19.8,"hhiRank":2489,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":24.1,"leaderShareRank":2674,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26117","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":72,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":947911,"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":51,"concentrationClass":"moderately_concentrated","countyFips":"26065","countyName":"Ingham","depositRank":210,"hhi":1631,"hhiPercentile":17.7,"hhiRank":2555,"leadingOrganization":"FIRST NATIONAL BANCSHARES, INC.","leadingOrganizationSharePct":33.4,"leaderShareRank":2041,"organizationCount":18,"organizationDepthRank":244,"organizationsOver5pct":7,"profileHref":"/geographies/banking/26065","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":73,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":9703159,"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":258,"concentrationClass":"moderately_concentrated","countyFips":"26125","countyName":"Oakland","depositRank":35,"hhi":1583,"hhiPercentile":16.7,"hhiRank":2588,"leadingOrganization":"BANK OF AMERICA CORPORATION","leadingOrganizationSharePct":27.3,"leaderShareRank":2472,"organizationCount":27,"organizationDepthRank":107,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26125","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":74,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":83219111,"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":34,"concentrationClass":"moderately_concentrated","countyFips":"26145","countyName":"Saginaw","depositRank":568,"hhi":1574,"hhiPercentile":16.5,"hhiRank":2593,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":30.5,"leaderShareRank":2246,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":7,"profileHref":"/geographies/banking/26145","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":75,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":2638253,"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":17,"concentrationClass":"unconcentrated","countyFips":"26025","countyName":"Calhoun","depositRank":913,"hhi":1434,"hhiPercentile":12.1,"hhiRank":2728,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":22.1,"leaderShareRank":2806,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":5,"profileHref":"/geographies/banking/26025","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":76,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1348879,"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":37,"concentrationClass":"unconcentrated","countyFips":"26093","countyName":"Livingston","depositRank":393,"hhi":1328,"hhiPercentile":9.1,"hhiRank":2822,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":21.5,"leaderShareRank":2844,"organizationCount":13,"organizationDepthRank":451,"organizationsOver5pct":8,"profileHref":"/geographies/banking/26093","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":77,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":4182632,"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":155,"concentrationClass":"unconcentrated","countyFips":"26099","countyName":"Macomb","depositRank":111,"hhi":1318,"hhiPercentile":8.8,"hhiRank":2831,"leadingOrganization":"HUNTINGTON BANCSHARES INCORPORATED","leadingOrganizationSharePct":19,"leaderShareRank":2958,"organizationCount":14,"organizationDepthRank":398,"organizationsOver5pct":9,"profileHref":"/geographies/banking/26099","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":78,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":20856250,"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":42,"concentrationClass":"unconcentrated","countyFips":"26077","countyName":"Kalamazoo","depositRank":366,"hhi":1264,"hhiPercentile":7.7,"hhiRank":2867,"leadingOrganization":"FIFTH THIRD BANCORP","leadingOrganizationSharePct":22,"leaderShareRank":2815,"organizationCount":14,"organizationDepthRank":398,"organizationsOver5pct":8,"profileHref":"/geographies/banking/26077","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":79,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":4579199,"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":147,"concentrationClass":"unconcentrated","countyFips":"26081","countyName":"Kent","depositRank":102,"hhi":1144,"hhiPercentile":4.6,"hhiRank":2962,"leadingOrganization":"NORTHPOINTE BANCSHARES, INC.","leadingOrganizationSharePct":18.5,"leaderShareRank":2981,"organizationCount":24,"organizationDepthRank":137,"organizationsOver5pct":6,"profileHref":"/geographies/banking/26081","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":80,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":24334580,"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":19,"concentrationClass":"unconcentrated","countyFips":"26045","countyName":"Eaton","depositRank":741,"hhi":1132,"hhiPercentile":4.5,"hhiRank":2966,"leadingOrganization":"EATON FEDERAL MUTUAL HOLDING COMPANY","leadingOrganizationSharePct":18.4,"leaderShareRank":2983,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":10,"profileHref":"/geographies/banking/26045","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":81,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":1812151,"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":73,"concentrationClass":"unconcentrated","countyFips":"26161","countyName":"Washtenaw","depositRank":180,"hhi":1065,"hhiPercentile":3.2,"hhiRank":3007,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":20.2,"leaderShareRank":2912,"organizationCount":16,"organizationDepthRank":316,"organizationsOver5pct":8,"profileHref":"/geographies/banking/26161","stateCode":"MI","stateCountyCount":82,"stateHref":"/geographies/michigan","stateHhiRank":82,"stateMedianHhi":2871,"stateName":"Michigan","totalDepositsThousands":11861498,"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."}]}