Antitrust Radar
Statewide branch-deposit screens two-anchor observed comparison2015 958 to 2025 903, a decrease of -55. The vertical placement is normalized to this two-point comparison and is not a shared scale.PRIOR ANCHORLATEST ANCHOR

Canonical research dossier

Q10 / Geographic systems / Geographic structure

Which state-specific paths, ownership-reporting changes, branch-booking patterns, entry, exit, or consolidation events account for movement beneath the cross-sectional median?

Statewide branch-deposit screens / Median statewide bank-deposit HHI
2015
958
prior anchor
Observed change
-55
10 years
2025
903
latest anchor
Current custody
1
source record
Observed comparisonExact values, periods, metric, unit, and universe stay attached.
Research questionThe monitor question is preserved verbatim as a bounded program of inquiry.
Evidence to collectDeclared requests are future work, not established evidence or findings.
Evidence standard

Published signal

The observation behind the question

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.
2015958prior
-55Decrease
2025903latest
Observed signalThe annual 51-jurisdiction median branch-deposit HHI moved from 958 in 2015 to 903 in 2025 (-55.0 HHI points).

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.

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.

Declared empirical track

Geographic structure

Reconcile national and nested geographic concentration summaries with area-level distributions, provider or ownership paths, measurement boundaries, and local-market evidence.
Evidence base
561 state-year rows / 11 annual 51-jurisdiction cross-sections
Data status
estimated public
Confidence
high
Metric family
state-bank-median-hhi

Evidence to collect

4 declared requests
  1. 01

    Annual state and national branch-deposit rows using the same ownership-grouping and June 30 vintage rules.

  2. 02

    State-level organization, branch, leading-share, and nominal-deposit paths beneath the aggregate movement.

  3. 03

    Ownership-reporting, branch-booking, entry, exit, acquisition, divestiture, and charter records for large state changes.

  4. 04

    Local product and geographic evidence before treating any statewide or county screen as an antitrust market.

These requests define collection work. Their inclusion does not assert that the records exist, support a claim, or establish a cause.

Current source custody

Evidence already attached to the observed signal

Collection requests above remain separate from these published source records.
Federal Deposit Insurance Corporation2025 Summary of DepositsSource profile

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.

Research handoffs

Keep the question connected to its evidence system

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