{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"insights","count":6,"updatedThrough":"2026-07-21","summary":{"dispatchCount":1,"domainCount":1,"domainReadoutCount":1,"focusedNoteCount":0,"latestSourceAccessDate":"2026-07-21","signalCount":6,"signalMembershipCount":6,"sourceCount":2},"universeSummary":{"dispatchCount":7,"domainCount":5,"domainReadoutCount":5,"focusedNoteCount":2,"latestSourceAccessDate":"2026-07-21","signalCount":46,"signalMembershipCount":62,"sourceCount":12},"guardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance.","filters":{"dispatch":"geographic-concentration-screen-divergence","dispatchMatched":true,"domain":"all","domainMatched":true,"query":"","scope":"all","scopeMatched":true,"direction":"all","directionMatched":true,"signal":null,"signalMatched":true},"publications":[{"authorName":"Antitrust Radar Research Team","canonicalHref":"/insights/geographic-concentration-screen-divergence","publishedAt":"2026-08-12","seriesNumber":"AR-CI-2026-04","seriesTitle":"Competition Insights","status":"current","updatedAt":"2026-08-12","version":"1.0"}],"rows":[{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"fixed-broadband-hhi:tract-median","signalDomain":"geographies","signalMetricId":"fixed-broadband-hhi","signalMetricLabel":"Residential fixed broadband Tract median","entityId":"fixed-broadband-tract-median","entityCode":"tract-median","entityLabel":"Median census tract","unit":"hhi_points","priorPeriod":"Dec 2023","priorYear":2023,"priorValue":5859,"latestPeriod":"Dec 2024","latestYear":2024,"latestValue":5504,"delta":-355,"deltaPercent":-6.1,"direction":"decreased","sourceIds":["fcc-internet-access-dec-2024"],"sourcePublishers":["Federal Communications Commission"],"observation":"Median census tract moved from HHI 5,859 in Dec 2023 to 5,504 in Dec 2024 (-355 HHI points).","interpretation":"The December 2024 tract median is lower than its December 2023 anchor. This geographic summary does not define a legal broadband market or identify why provider shares changed.","researchQuestion":"Which areas and provider-share changes account for movement in the tract median, and how wide is the distribution hidden by the median?","signalGuardrail":"The FCC series reports HHI for residential fixed connections of at least 100 Mbps downstream and 20 Mbps upstream. The national value and medians across states, counties, and census tracts describe different geographic summaries; they are not interchangeable legal market definitions, and a median does not describe the full distribution within or across areas.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies/broadband?scope=tract-median","explorerHref":"/geographies/broadband?scope=tract-median&period=2024-12#fixed-broadband-atlas","monitorHref":"/economy/monitor?signal=fixed-broadband-hhi%3Atract-median#competition-monitor-console"},{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"fixed-broadband-hhi:county-median","signalDomain":"geographies","signalMetricId":"fixed-broadband-hhi","signalMetricLabel":"Residential fixed broadband County median","entityId":"fixed-broadband-county-median","entityCode":"county-median","entityLabel":"Median county","unit":"hhi_points","priorPeriod":"Dec 2023","priorYear":2023,"priorValue":5356,"latestPeriod":"Dec 2024","latestYear":2024,"latestValue":4599,"delta":-757,"deltaPercent":-14.1,"direction":"decreased","sourceIds":["fcc-internet-access-dec-2024"],"sourcePublishers":["Federal Communications Commission"],"observation":"Median county moved from HHI 5,356 in Dec 2023 to 4,599 in Dec 2024 (-757 HHI points).","interpretation":"The December 2024 county median is lower than its December 2023 anchor. This geographic summary does not define a legal broadband market or identify why provider shares changed.","researchQuestion":"Which areas and provider-share changes account for movement in the county median, and how wide is the distribution hidden by the median?","signalGuardrail":"The FCC series reports HHI for residential fixed connections of at least 100 Mbps downstream and 20 Mbps upstream. The national value and medians across states, counties, and census tracts describe different geographic summaries; they are not interchangeable legal market definitions, and a median does not describe the full distribution within or across areas.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies/broadband?scope=county-median","explorerHref":"/geographies/broadband?scope=county-median&period=2024-12#fixed-broadband-atlas","monitorHref":"/economy/monitor?signal=fixed-broadband-hhi%3Acounty-median#competition-monitor-console"},{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"fixed-broadband-hhi:state-median","signalDomain":"geographies","signalMetricId":"fixed-broadband-hhi","signalMetricLabel":"Residential fixed broadband State median","entityId":"fixed-broadband-state-median","entityCode":"state-median","entityLabel":"Median state","unit":"hhi_points","priorPeriod":"Dec 2023","priorYear":2023,"priorValue":2994,"latestPeriod":"Dec 2024","latestYear":2024,"latestValue":2937,"delta":-57,"deltaPercent":-1.9,"direction":"decreased","sourceIds":["fcc-internet-access-dec-2024"],"sourcePublishers":["Federal Communications Commission"],"observation":"Median state moved from HHI 2,994 in Dec 2023 to 2,937 in Dec 2024 (-57 HHI points).","interpretation":"The December 2024 state median is lower than its December 2023 anchor. This geographic summary does not define a legal broadband market or identify why provider shares changed.","researchQuestion":"Which areas and provider-share changes account for movement in the state median, and how wide is the distribution hidden by the median?","signalGuardrail":"The FCC series reports HHI for residential fixed connections of at least 100 Mbps downstream and 20 Mbps upstream. The national value and medians across states, counties, and census tracts describe different geographic summaries; they are not interchangeable legal market definitions, and a median does not describe the full distribution within or across areas.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies/broadband?scope=state-median","explorerHref":"/geographies/broadband?scope=state-median&period=2024-12#fixed-broadband-atlas","monitorHref":"/economy/monitor?signal=fixed-broadband-hhi%3Astate-median#competition-monitor-console"},{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"state-bank-median-hhi","signalDomain":"geographies","signalMetricId":"state-bank-median-hhi","signalMetricLabel":"Median statewide bank-deposit HHI","entityId":"state-banking-screen","entityCode":"state-banking-screen","entityLabel":"Statewide branch-deposit screens","unit":"hhi_points","priorPeriod":"2015","priorYear":2015,"priorValue":958,"latestPeriod":"2025","latestYear":2025,"latestValue":903,"delta":-55,"deltaPercent":-5.7,"direction":"decreased","sourceIds":["fdic-sod-2025"],"sourcePublishers":["Federal Deposit Insurance Corporation"],"observation":"The annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points).","interpretation":"The later branch-deposit screen is lower than the 2015 anchor. This descriptive movement does not define a legal banking market, identify a cause, or measure every banking product.","researchQuestion":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","signalGuardrail":"Annual statewide and national rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, and jurisdiction coverage can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies#state-competition-systems","explorerHref":"/geographies?bankYear=2025&bankMetric=hhi#state-banking-history","monitorHref":"/economy/monitor?signal=state-bank-median-hhi#competition-monitor-console"},{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"fixed-broadband-hhi:nation","signalDomain":"geographies","signalMetricId":"fixed-broadband-hhi","signalMetricLabel":"Residential fixed broadband National HHI","entityId":"fixed-broadband-nation","entityCode":"nation","entityLabel":"U.S. fixed broadband connections","unit":"hhi_points","priorPeriod":"Dec 2023","priorYear":2023,"priorValue":1195,"latestPeriod":"Dec 2024","latestYear":2024,"latestValue":1501,"delta":306,"deltaPercent":25.6,"direction":"increased","sourceIds":["fcc-internet-access-dec-2024"],"sourcePublishers":["Federal Communications Commission"],"observation":"United States moved from HHI 1,195 in Dec 2023 to 1,501 in Dec 2024 (+306 HHI points).","interpretation":"The December 2024 national hhi is higher than its December 2023 anchor. This geographic summary does not define a legal broadband market or identify why provider shares changed.","researchQuestion":"What provider-share, technology, speed-tier, entry, and geographic composition changes explain the rise in national HHI while median subnational HHIs declined?","signalGuardrail":"The FCC series reports HHI for residential fixed connections of at least 100 Mbps downstream and 20 Mbps upstream. The national value and medians across states, counties, and census tracts describe different geographic summaries; they are not interchangeable legal market definitions, and a median does not describe the full distribution within or across areas.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies/broadband?scope=nation","explorerHref":"/geographies/broadband?scope=nation&period=2024-12#fixed-broadband-atlas","monitorHref":"/economy/monitor?signal=fixed-broadband-hhi%3Anation#competition-monitor-console"},{"dispatchId":"geographic-screen-divergence","dispatchSlug":"geographic-concentration-screen-divergence","dispatchTitle":"Geographic concentration screens point in different directions at different scales.","dispatchScope":"domain-readout","dispatchDomain":"geographies","dispatchUpdatedThrough":"2026-07-21","dispatchHref":"/insights/geographic-concentration-screen-divergence","publicationSeriesNumber":"AR-CI-2026-04","publicationSeriesTitle":"Competition Insights","publicationAuthor":"Antitrust Radar Research Team","publicationDate":"2026-08-12","publicationUpdatedAt":"2026-08-12","publicationVersion":"1.0","publicationStatus":"current","signalId":"national-bank-deposit-hhi","signalDomain":"geographies","signalMetricId":"national-bank-deposit-hhi","signalMetricLabel":"National bank-deposit HHI","entityId":"us-bank-branch-deposits","entityCode":"us-bank-branch-deposits","entityLabel":"United States branch-deposit screen","unit":"hhi_points","priorPeriod":"2015","priorYear":2015,"priorValue":410,"latestPeriod":"2025","latestYear":2025,"latestValue":401,"delta":-9,"deltaPercent":-2.2,"direction":"decreased","sourceIds":["fdic-sod-2025"],"sourcePublishers":["Federal Deposit Insurance Corporation"],"observation":"The national branch-deposit HHI moved from 410 in 2015 to 401 in 2025 (-9.0 HHI points).","interpretation":"The later branch-deposit screen is lower than the 2015 anchor. This descriptive movement does not define a legal banking market, identify a cause, or measure every banking product.","researchQuestion":"How can the nearly stable national aggregate be reconciled with state-level movement, organization turnover, branch change, and nominal deposit growth?","signalGuardrail":"Annual statewide and national rows are independent June 30 branch-deposit screens, not interpolated observations or legal market definitions. Reported ownership structures, branch booking, and jurisdiction coverage can change between vintages; deposit values are nominal and should not be read as inflation-adjusted growth.","insightGuardrail":"Competition Insights are editorial summaries of exact, source-custodied Competition Monitor rows. A dispatch may inventory several signals, but it does not average unlike measures, create a composite score, rank research importance, establish a legal market, identify a cause, or prove market power, competitive harm, liability, or enforcement performance. FCC broadband summaries and FDIC branch-deposit screens use different sectors, units, ownership rules, and periods. Their directions are not combined into a geographic competition index.","entityHref":"/geographies#state-competition-systems","explorerHref":"/geographies?bankYear=2025&bankMetric=hhi#state-banking-history","monitorHref":"/economy/monitor?signal=national-bank-deposit-hhi#competition-monitor-console"}]}