{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"research-agenda","count":1,"updatedThrough":"2026-07-21","summary":{"decreasedCount":1,"domainCount":1,"entityCount":1,"increasedCount":0,"latestSourceAccessDate":"2026-07-19","methodCount":1,"questionCount":1,"requestCount":4,"sourceCount":1,"unchangedCount":0},"universeSummary":{"decreasedCount":26,"domainCount":5,"entityCount":32,"increasedCount":19,"latestSourceAccessDate":"2026-07-21","methodCount":7,"questionCount":46,"requestCount":184,"sourceCount":12,"unchangedCount":1},"guardrail":"Agenda questions are derived from published latest-to-prior competition signals and remain attached to their exact metric, periods, universe, and source custody. They are not ranked, scored, or treated as findings of causality, competitive harm, liability, enforcement merit, or research importance. Evidence requests describe work to collect, not evidence already established.","filters":{"direction":"all","directionMatched":true,"domain":"all","domainMatched":true,"method":"all","methodMatched":true,"query":"","question":"state-bank-median-hhi","questionMatched":true,"view":"question","viewMatched":true,"scope":"question","scopeMatched":true},"activeQuestionId":"state-bank-median-hhi","methods":[{"id":"market-mechanism","label":"Market mechanism","shortLabel":"Mechanism","detail":"Test entry, exit, switching, price, quality, capacity, and share pathways inside the declared market boundary.","metricIds":["market-hhi"],"color":"#12a8b5"},{"id":"share-accounting","label":"Share accounting","shortLabel":"Shares","detail":"Reconstruct participant-share movement while checking denominator, coverage, entry, exit, and transaction changes.","metricIds":["market-cr4","market-leader-share"],"color":"#1769e0"},{"id":"industry-disaggregation","label":"Industry disaggregation","shortLabel":"Industries","detail":"Trace a sector median back to strict six-digit Census rows before proposing a product or geographic market study.","metricIds":["industry-median-hhi"],"color":"#24a76f"},{"id":"geographic-structure","label":"Geographic structure","shortLabel":"Geography","detail":"Reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence.","metricIds":["state-bank-median-hhi","national-bank-deposit-hhi","fixed-broadband-hhi"],"color":"#0f766e"},{"id":"business-flow-context","label":"Business-flow context","shortLabel":"Business flows","detail":"Disaggregate national entry, exit, job-flow, and reallocation movement by sector, place, and firm age before proposing a competitive mechanism.","metricIds":["establishment-entry-rate","establishment-exit-rate","job-creation-rate","job-destruction-rate","net-job-creation-rate","reallocation-rate"],"color":"#6b5bd6"},{"id":"merger-program-context","label":"Merger program context","shortLabel":"Filings","detail":"Place HSR notification volume beside filing mix, transaction size, thresholds, exemptions, and macroeconomic context.","metricIds":["hsr-transactions"],"color":"#f39b22"},{"id":"review-process-context","label":"Review process context","shortLabel":"Review","detail":"Test whether transaction mix, clearance, adjusted denominators, or agency practice moved alongside the review rate.","metricIds":["hsr-second-request-rate"],"color":"#eb4a64"}],"rows":[{"id":"state-bank-median-hhi","ordinal":10,"question":"Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?","methodId":"geographic-structure","methodLabel":"Geographic structure","methodDetail":"Reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence.","evidenceRequests":["Annual state and national branch-deposit rows using the same ownership-grouping and June 30 vintage rules.","State-level organization, branch, leading-share, and nominal-deposit paths beneath the aggregate movement.","Ownership-reporting, branch-booking, entry, exit, acquisition, divestiture, and charter records for large state changes.","Local product and geographic evidence before treating any statewide or county screen as an antitrust market."],"domain":"geographies","domainLabel":"Geographic systems","entityId":"state-banking-screen","entityCode":"state-banking-screen","entityLabel":"Statewide branch-deposit screens","metricId":"state-bank-median-hhi","metricLabel":"Median statewide bank-deposit HHI","unit":"hhi_points","priorPeriod":"2015","priorYear":2015,"priorValue":958,"latestPeriod":"2025","latestYear":2025,"latestValue":903,"yearsBetween":10,"delta":-55,"deltaPercent":-5.7,"direction":"decreased","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.","comparisonNote":"Difference between independently observed 2015 and 2025 cross-sectional medians across the same 51-jurisdiction statewide screen; intermediate years remain available but are not interpolated.","evidenceCount":561,"evidenceLabel":"561 state-year rows / 11 annual 51-jurisdiction cross-sections","confidenceLevel":"high","dataStatus":"estimated_public","sourceCount":1,"sourceIds":["fdic-sod-2025"],"publishers":["Federal Deposit Insurance Corporation"],"latestSourceAccessDate":"2026-07-19","agendaHref":"/research/agenda?question=state-bank-median-hhi#research-agenda-observatory","atlasHref":"/atlas?focus=question%3Astate-bank-median-hhi&layer=research","researchProfileHref":"/research/agenda/state-bank-median-hhi","monitorHref":"/economy/monitor?signal=state-bank-median-hhi#competition-monitor-console","notebookHref":"/notebooks?recipe=state-banking-history","briefingHref":"/research/briefing?signals=state-bank-median-hhi&audience=research#competition-briefing-studio","profileHref":"/geographies#state-competition-systems","explorerHref":"/geographies?bankYear=2025&bankMetric=hhi#state-banking-history","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.","agendaGuardrail":"Agenda questions are derived from published latest-to-prior competition signals and remain attached to their exact metric, periods, universe, and source custody. They are not ranked, scored, or treated as findings of causality, competitive harm, liability, enforcement merit, or research importance. Evidence requests describe work to collect, not evidence already established."}]}