Antitrust Radar
Competition InsightsAR-CI-2026-04 / Domain readout

Broadband geographies / dispatch 04

Geographic concentration screens point in different directions at different scales.

Six FCC and FDIC comparisons retain their own geography, ownership rule, reporting universe, and time interval.
Current readout1 up / 5 down
Exact signals
6
geographic screens
Entities
6
within declared frames
Public sources
2
linked custody rows
Latest anchor
2025
intervals vary
1 increased 5 decreased

Interpretation boundaryFCC 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.

Evidence standard

Evidence reading

What the current rows establish.

3 bounded findings / 6 exact signals
  1. 01

    Five screens moved lower and one moved higher.

    Across 6 exact latest-to-prior rows, 1 increased, 5 decreased. That split spans two public systems and two unequal observation windows.

    6 supporting signals
  2. 02

    The national fixed-broadband HHI rose while three geographic medians fell.

    United States moved from HHI 1,195 in Dec 2023 to 1,501 in Dec 2024 (+306 HHI points). Median state moved from HHI 2,994 in Dec 2023 to 2,937 in Dec 2024 (-57 HHI points). Median county moved from HHI 5,356 in Dec 2023 to 4,599 in Dec 2024 (-757 HHI points). Median census tract moved from HHI 5,859 in Dec 2023 to 5,504 in Dec 2024 (-355 HHI points).

    4 supporting signals
  3. 03

    National and median-state branch-deposit screens both moved lower over 2015-2025.

    The national branch-deposit HHI moved from 410 in 2015 to 401 in 2025 (-9.0 HHI points). The annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points).

    2 supporting signals

Exact comparisons

Inspect every prior and latest anchor.

Observed change fieldEach row retains its own unit and scale
  1. Median census tractTract medianDec 20235,859Dec 20245,504-355 HHIDecrease
  2. Median countyCounty medianDec 20235,356Dec 20244,599-757 HHIDecrease
  3. Median stateState medianDec 20232,994Dec 20242,937-57 HHIDecrease
  4. Statewide branch-deposit screensState median HHI20159582025903-55 HHIDecrease
  5. U.S. fixed broadband connectionsNational HHIDec 20231,195Dec 20241,501+306 HHIIncrease
  6. United States branch-deposit screenNational HHI20154102025401-9 HHIDecrease

Analysis lab

Open the bounded instruments behind this dispatch.

3 declared routes / 6 signals
  1. 01

    VizBuilder figure

    Fixed-broadband scale paths

    National HHI and state, county, and tract median HHI series from the same FCC release system.Area medians are separate distribution summaries, not components that average to the national HHI.
  2. 02

    Source workspace

    FCC broadband source atlas

    Period and geography controls for all four fixed-broadband scale series.Reporting geographies are screening units, not presumed legal broadband markets.
  3. 03

    Source workspace

    FDIC aggregate banking history

    The national branch-deposit HHI and annual 51-jurisdiction median statewide HHI.These aggregates are not the same object as the 2025 state cross-section in VizBuilder.

Evidence ledger

Values, custody, and continuation routes.

Scroll horizontally to inspect all columns.
Geographic screens signal membership table. Values retain their source unit and period basis.
Entity / metricPriorLatestChangeSourceContinue
Median census tractResidential fixed broadband Tract median5,859Dec 20235,504Dec 2024-355 HHIDecreaseFederal Communications Commissionfcc-internet-access-dec-2024
VizBuilder Source system
Median countyResidential fixed broadband County median5,356Dec 20234,599Dec 2024-757 HHIDecreaseFederal Communications Commissionfcc-internet-access-dec-2024
VizBuilder Source system
Median stateResidential fixed broadband State median2,994Dec 20232,937Dec 2024-57 HHIDecreaseFederal Communications Commissionfcc-internet-access-dec-2024
VizBuilder Source system
Statewide branch-deposit screensMedian statewide bank-deposit HHI95820159032025-55 HHIDecreaseFederal Deposit Insurance Corporationfdic-sod-2025
Banking history
U.S. fixed broadband connectionsResidential fixed broadband National HHI1,195Dec 20231,501Dec 2024+306 HHIIncreaseFederal Communications Commissionfcc-internet-access-dec-2024
VizBuilder Source system
United States branch-deposit screenNational bank-deposit HHI41020154012025-9 HHIDecreaseFederal Deposit Insurance Corporationfdic-sod-2025
Banking history

Research handoff

The dispatch ends where investigation should begin.

Which provider, ownership, entry, exit, acquisition, technology, and local-boundary records explain the distinct national and subnational paths?
  1. Median census tractWhich areas and provider-share changes account for movement in the tract median, and how wide is the distribution hidden by the median?
  2. Median countyWhich areas and provider-share changes account for movement in the county median, and how wide is the distribution hidden by the median?
  3. Median stateWhich areas and provider-share changes account for movement in the state median, and how wide is the distribution hidden by the median?
  4. Statewide branch-deposit screensWhich state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?

Source custody

Public records behind this dispatch.

2 sources
  1. 01
    Internet Access Services: Status as of December 31 2024Federal Communications Commission / accessed July 21, 2026
    Source dossier
  2. 02
    2025 Summary of DepositsFederal Deposit Insurance Corporation / accessed July 19, 2026
    Source dossier

Publication record

Cite this dispatch as a versioned research object.

current edition
Competition InsightsAR-CI-2026-04Version 1.0
Author
Antitrust Radar Research Team
Published
Updated
Sources checked
Antitrust Radar Research Team. (2026, August 12). Geographic concentration screens point in different directions at different scales.. Competition Insights, AR-CI-2026-04 (Version 1.0). Antitrust Radar. https://antitrustradar.org/insights/geographic-concentration-screen-divergence
BibTeXRIS