A research center and newsroom on market concentration in the United States, arguing for enforcement where the evidence supports it.
51 jurisdictions · FDIC Summary of Deposits · 2015–2025
State competition atlas
Playback advances one annual source frame at a time. Pause or use the previous and next buttons for step-by-step announcements.
Frame changeDE +1,869NC -217U.S. +3
Source: Federal Deposit Insurance Corporation · 2015-2025
| Jurisdiction | statewide deposit HHI change |
|---|---|
| +3,159 pts | |
| +426 pts | |
| +251 pts | |
| +198 pts | |
| +187 pts | |
| +176 pts | |
| +105 pts | |
| +82 pts | |
| +80 pts | |
| +80 pts | |
| +77 pts | |
| +75 pts | |
| +75 pts | |
| +71 pts | |
| +63 pts | |
| +55 pts | |
| +45 pts | |
| +45 pts | |
| +43 pts | |
| +40 pts | |
| +32 pts | |
| +28 pts | |
| +8 pts | |
| +6 pts | |
| +5 pts | |
| +4 pts | |
| -9 pts | |
| -18 pts | |
| -23 pts | |
| -39 pts | |
| -59 pts | |
| -79 pts | |
| -87 pts | |
| -95 pts | |
| -100 pts | |
| -133 pts | |
| -150 pts | |
| -160 pts | |
| -170 pts | |
| -171 pts | |
| -172 pts | |
| -191 pts | |
| -206 pts | |
| -221 pts | |
| -223 pts | |
| -255 pts | |
| -273 pts | |
| -305 pts | |
| -705 pts | |
| -823 pts | |
| -3,055 pts |
Statewide branch-deposit screens are not legal banking market definitions. Changes do not establish competitive harm.
Explore banking dataThe first issue of our weekly column: a 2.1 percent Second Request rate in fiscal 2025, three proposed settlements and a court-ordered remedy in the enforcement ledger since September, and the three numbers we will keep returning to.
The 2022 Economic Census publishes a four-firm share for 897 detailed industries. Twelve are above 90 percent, 43 are above 80, and 406 of the 781 industries whose definition is unchanged since 2017 grew more concentrated.
The United States lost 1,732 bank holding organizations and 16,090 branches between 2015 and 2025. Delaware's statewide deposit concentration nearly tripled, five states now sit above the 2,500 HHI line, and four banks lead 296 counties between them.
In 187 counties and county equivalents, every FDIC-reported branch belongs to one organization. In 207, the leading bank holds at least 90 percent of deposits. Ten years earlier the one-bank count was 143.
Why Antitrust Radar exists, what it will publish, who pays for it, and the one line it will not cross.
What the site answers, depending on why you came.
Look up any state or county, get the concentration figures, and cite the source table.
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Get the dataRead the published findings with their limits stated, then follow the sources.
Read the reportsAcross eleven annual June 30 FDIC Summary of Deposits screens, national branch-deposit HHI moved from 410 in 2015 to 401 in 2025, while the annual median across 51 jurisdictions moved from 958 to 903.
KFF's 2024 individual-insurance dataset reports a median HHI of 3,414 across the 50 states and District of Columbia.
From December 2020 to December 2024, the FCC-reported national HHI for residential fixed connections of at least 100 Mbps downstream and 20 Mbps upstream rose from 1,171 to 1,501, an increase of 330 points.
Independent external review has not yet been completed for the banking flagship.