How can the nearly stable national aggregate be reconciled with state-level movement, organization turnover, branch change, and nominal deposit growth?
The national branch-deposit HHI moved from 410 in 2015 to 401 in 2025 (-9.0 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.
- National bank-deposit HHI
- 401
- Evidence context
- Q12 / Geography / 2025