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Summary of Deposits Help

How to Obtain Data
Contact Information
Appendices
    MSA Information
    Disclaimer
Survey Forms and Instructions
Explanatory Notes
Definitions
 
Solutions to common problems?

For questions, problems or suggestions
     Email: Questions, Suggestions & Requests


For questions regarding the survey
     Email: SOD@fdic.gov
     Phone: 1-800-688-3342

Features


  1. FIND OFFICE - search the SOD by Holding Company, Institution and / or geographic area.
    All option result in a listing of branch offices by state, county and institution
    1. Institution - enter the name, FDIC certificate number, RSSD, OCC charter number or OTS docket number to get a listing of branch offices for that institution.
    2. Bank Holding Company - entering the name or RSSD number of the holding company (RSSDHCR) will return a listing of branch offices by state, county and subsidiary.
    3. Stat → County → City → Zip - will allow the user to get a listing of branches by state, county, city and /or zip code.
    4. Metropolitan Statistical Areas - will result in a listing of all branches located in the selected MSA. The Metropolitan Statistical Areas (MSA's) are based on the 2000 Census. These areas correspond to the state/county/CBSA relationship as defined by the Census Bureau. For the purpose of the Summary of Deposit, MSA's reflect only the CBSA codes for metropolitan areas (use CBSA_METROB for the Summary of Deposits). Micropolitan Areas and Metropolitan Divisions are excluded for publication purposes. All of the new MSA related fields (see table below) are available in the SOD database and download.
    5. Zip Code - this provides a shortcut for the user to get a listing of branches for a specific zip code. Please note that zip codes do have limitations and can change from year to year. The reported zip code also defines the USPS postal city. Therefore, if the reported zip code is in error, the postal city may be incorrect.
    6. State & County Map - this feature has been remove due to the limited functionality that it provided. If you need a listing of branches for a particular county, please use the State → County → City → Zip option.

  2. DEPOSIT MARKET SHARE

    The Deposit Market Share is the percentage of deposits an FDIC-insured institution has within a defined geographic market. This data is based on the annual Summary of Deposits (SOD) survey for FDIC-insured institutions as of June 30.

    The Deposit Market Share and the Pro Forma (HHI) Reports provide information for all institutions within a specific geographic market for a specific time period. The Market Presence and Growth Rate Reports provide similar information, but from the perspective of one institution. All reports provide data back to 1994 and are available by institution or bank holding company.

    The Deposit Market Share report is a summary of all FDIC-insured institutions or bank holding companies, the number of branches, the amount of deposits and the percentage of their market share for any specified geographic area (state, county, city, zip code). Multiple geographic components can be combined to create user defined custom markets (e.g. multiple counties, zip codes, cities or combinations) by holding down the Control key while selecting within the list box.

    The Pro Forma HHI Report offers the same information as the Deposit Market Share Report plus the ability to see the before and after effects of proposed mergers or acquisitions within the specified geographic market. After selecting the geographic market, the user must select the acquiring institution as well as the divested institution or branches of an institution in order to get the results. The results include the before (“Old_Bank”) and after (New_Bank) data with the summary of all FDIC-insured institutions within the geographic area as well as the number of branches, the amount of deposits, the market share and HHI. Multiple geographic components can be combined to create user defined custom markets (e.g. multiple counties, zip codes and cities) by holding down the Control key while selecting within the list box.

    The Market Presence Report provides deposit market share data for any one FDIC-insured institution or bank holding company within every state, county or MSA in one report.

    The Growth Rate Report provides the ability to compare two years of data for any FDIC-insured institution or bank holding company by state, county or MSA.

  3. SUMMARY TABLES - provide deposit data by selected aggregations: (1) National Summary Tables, (2) Regional Summary Tables, and (3) Individual State Tables by (a) county and (b) charter class.
  4. CHARTS AND GRAPHS - provides visual representations of data that are available in table format in the Summary Tables section of the Summary of Deposits.
  5. DOWNLOAD - The SOD download offers 2 options - the National download which contains the entire SOD file and the custom state download. Please note that for the state downloads, all variables are available, however, the variables have been split into 3 groups - branch/office, institution and bank holding company. Be sure to change the drop box to select from the other groups. -MSA Listing
    Please note that all Summary of Deposit data, back to 1994, have been populated with the new codes. The old codes, MSA and CMSA, will not be maintained after the 2003 data.



Download Summary of Deposit Data
Summary of Deposit data are available on-line via the SOD Download . The data are available for all years back to 1994. You may do a customized download, selecting specific variables, by state, or get the complete national download (All States and U.S. possessions) for each available year. For more information about this procedure or variables, select SOD Download or select the Download option from the gold navigation bar at the top of this page.


For specific questions regarding the Summary of Deposits web site or data on the web site, Questions, Suggestions & Requests.



MSA Information:
  1. MSA Information (census.gov)
  2. MSA Definitions
  3. MSA Listings

Disclaimer:


If you need the actual survey forms and/or instructions for filing purposes, please refer to the Financial Institution Letter for the Summary of Deposits survey.

All Links on this page reference Portable Document Format (PDF) files. Adobe Acrobat, a reader available for free on the Internet, is required to display or print PDF files.


Explanatory Notes

Scope of the Surveys
To provide a means for measuring deposits in local banking markets, the surveys obtain deposit figures for each banking office of branch banking systems, and for each insured U.S. branch of a foreign bank. Deposit figures for unit banks (which do not have branch offices) were obtained from the June Reports of Condition.

Deposit Reporting - Institutions should report their deposits in a manner consistent with their existing internal record-keeping practices, however, other methods that logically reflect the deposit gathering activity of the bank's branches may be used. It is recognized that certain classes of deposits and deposits of certain types of customers may be assigned to a single office. Please refer to the reporting instructions for more information (see above).

Arrangement of Published Data
Because these publications are used as a source of market share information for individual banking markets, the figures for each geographical area only include deposits of offices located within that area. Several institutions have designated offices that do not accept deposits; these have been included in the survey to provide a more complete listing of all offices.

Additional points that should be noted:

1. With the exception noted above, "banking office" is defined to include all offices and facilities that actually hold deposits, and does not include loan production offices, computer centers, and other nondeposit installations, such as automated teller machines (ATMs).

2. Institutions are allowed to combine deposit data from two or more offices within the same county for the following office types: drive-in offices, seasonal branches, and military facilities. Where centralized bookkeeping or other conditions make it impossible to report exact figures, estimates are required.

3. International Banking Facility (IBF) deposits are considered deposits in foreign offices and are not included in the Summary of Deposits Survey.

4. Offices and deposits are reported by the institution that owned the office as of the close of business on June 30.

5. The term "offices" includes both main offices and branches. An institution with four branches operates a total of five offices.

6. All reports submitted to the FDIC have been validated and corrected to the extent possible. There may be rounding differences or minor reporting errors reflected in the tables.

7. Savings Institutions include all FDIC-Insured financial institutions that operate under federal or state thrift banking charters. Prior to August 9, 1989, all institutions insured by the Federal Savings and Loan Insurance Corporation (FSLIC) and all savings banks insured by the FDIC are included in any applicable chart.



Asset Size
Aggregate dollar amount of assets held by the reporting financial institution regardless of.  Assets are not available at the branch office level.

Bank Charter Class
A classification code assigned by the FDIC on the basis of the institution's charter type (commercial or savings institution), charter agent (state or federal), Federal Reserve membership status (Fed member, Fed nonmember) and its primary federal regulator (state chartered institutions are subject to both federal and state supervision).
    N = commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    SM = commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    NM = commercial bank, state charter and Fed nonmember, supervised by the FDIC
    SB = savings banks, state charter, supervised by the FDIC
    SA = savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OI = insured U.S. branch of a foreign chartered institution (IBA)

Bank Charter Type
The legal authorization to conduct business granted to a financial institution by federal or state government
    All Charters - Includes commercial banks, savings institutions and U.S. branches of foreign banks insured by the FDIC
    Insured Commercial Banks - Includes commercial banks insured by the FDIC. These institutions are regulated by one of the three Federal commercial bank regulators (FDIC, Federal Reserve Board or Office of the Comptroller of the Currency). They submit financial reports to the Federal Reserve (state member banks) or the FDIC (state non-member banks and national banks).
    Insured Savings Institutions - Includes savings institutions insured by the FDIC that operate under state or federal banking codes applicable to thrift institutions. These institutions are regulated by and submit financial reports to one of two Federal regulators (FDIC or Office of Thrift Supervision).
    Insured Branches of Foreign Banks - Includes FDIC-insured branches in the U.S. established by banks chartered and headquartered in foreign countries. These insured branches are regulated by one of the three Federal commercial bank regulators and submit financial data to the Federal Reserve.

Bank Holding Company
Regulatory top holder is any company that directly or indirectly owns, controls or has power to vote 25 percent or more of a bank's or direct holding company's shares or controls in any manner the election of a majority of the directors or trustees of a bank or direct holding company or exercises a controlling influence over the management or policies of a bank or direct holding company.

BHC ID
The unique number assigned by the Federal Reserve Board to the regulatory high holding company of the institution

Branch/Office
For the Summary of Deposits (SOD), a branch/office is any location, or facility, of a financial institution, including its main office, where deposit accounts are opened, deposits are accepted, checks paid, and loans granted. Some branches include, but are not limited to, brick and mortar locations, detached or attached drive-in facilities, seasonal offices, offices on military bases or government installations, paying/receiving stations or units, and Internet and Phone Banking locations where a customer can open accounts, make deposits and borrow money. A branch does not include Automated Teller Machines (ATM), Consumer Credit Offices, Contractual Offices, Customer Bank Communication Terminals (CBCT), Electronic Fund Transfer Units (EFTU), and Loan Production Offices. Summary of Deposits information is required for each insured office located in any state, the District of Columbia, the Commonwealth of Puerto Rico or any U.S. territory or possession such as Guam or the U.S. Virgin Islands, without regard to the location of the main office.

Branch/Office Address
Physical location of branch/office.

Branch Search
Query of the Summary of Deposit database for offices or branches which match the selected search criteria (e.g. in specific state or county, for a selected Institution, etc).

Certificate Number (Cert, FDIC Certificate Number)
A unique number assigned by the FDIC to identify Institutions and for the issuance of insurance certificates.

City
a. Reported - Actual location of office/branch as reported by the Institution.
b. USPS - Preferred or "central" city based on the reported zip code of the office/branch by the United States Postal Service.

Commercial Banks (FDIC insured)
Includes commercial banks insured by the FDIC. These institutions are regulated by one of the three Federal commercial bank regulators (FDIC, Federal Reserve Board or Office of the Comptroller of the Currency). They submit financial reports to the Federal Reserve (state member banks) or the FDIC (state non-member banks and national banks).

County
The reported county of the home office/branch of an institution

Custom Market Share
The selection option which enables the user to drill down to the desired geographic location from the state level. Up to 10 geographic locations may be considered.

Data as of
The date of the survey. Data is available online back to 1994. All Summary of Deposit surveys represent deposits for offices and branches as of June 30th of each year.

Deposit
For Insured Commercial Banks and FDIC-Supervised Savings Banks, the definition of deposit is the same as in the Consolidated Report of Condition. The definition relates to domestic deposits held, or accepted, by the reporting bank in its main office and in any branch located in any State, the District of Columbia, the Commonwealth of Puerto Rico, or any U.S. territory or possession which include but are not limited to Guam and the U.S. Virgin Islands.

Docket Number
A unique number assigned by the OTS used to identify institutions.

Financial Institution with Branches or Facilities
A financial institution is, for the purpose of this survey, an FDIC insured commercial bank or an FDIC supervised savings bank which has a main office with one or more locations or facilities that are extensions of the main office of the financial entity.

Growth Rate
The Growth Rate Report provides the ability to compare two years of data for any FDIC-insured institution or bank holding company by state, county or MSA.

HHI
HHI means the Herfindahl-Hirschman Index, a commonly accepted measure of market concentration. It is calculated by squaring the market share of each firm competing in the market and then summing the resulting numbers. For example, for a market consisting of four firms with shares of thirty, thirty, twenty and twenty percent, the HHI is 2600 (302 + 302 + 202 + 202 = 2600). The HHI takes into account the relative size and distribution of the firms in a market and approaches zero when a market consists of a large number of firms of relatively equal size. The HHI increases both as the number of firms in the market decreases and as the disparity in size between those firms increases. Markets in which the HHI is between 1000 and 1800 points are considered to be moderately concentrated and those in which the HHI is in excess of 1800 points are considered to be concentrated. Transactions that increase the HHI by more than 100 points in concentrated markets presumptively raise antitrust concerns under the Horizontal Merger Guidelines issued by the U.S. Department of Justice and the Federal Trade Commission. See Merger Guidelines § 1.51.

Institution Name
Name of an institution associated with a Certificate or Docket number.

Institution Search
Query of the Summary of Deposit database by specific Name, Certificate Number or Docket Number.

Market Presence
The Market Presence Report provides deposit market share data for any one FDIC-insured institution or bank holding company within every state, county or MSA in one report.

Market Share
Report of the percentage of deposits, by institution, for a specific geographic area.
a. Inside of Market - amounts represented by branches/offices of each institution within the selected geographic criteria.
b. Outside of Market - amounts represented by branches/offices of each institution outside of the selected geographic criteria.
The sum of Inside and Outside of Market is the total reported for each institution.

Metropolitan Statistical Area (MSA)
The Metropolitan Statistical Areas (MSAs) are based on the 2010 Census. These areas correspond to the state / county / CBSA relationships as defined by the Census Bureau. For the purpose of the Summary of Deposits, MSAs reflect only the CBSA codes for metropolitan areas. Micropolitan Areas and Metropolitan Divisions are excluded from the MSA definition, however, all of the MSA related fields (see table below) are available in the SOD database and download.

Number of Institutions
Number of FDIC insured institutions that are included in the Summary of Deposits survey.

Number of Branches/Offices
Number of branches/offices of FDIC insured institutions.

Office Codes
            M - Main Offices
            C - Consolidated
            E - Estimated
            N - Non Deposit

Other Areas
Puerto Rico
U.S. Virgin Islands
Pacific Islands
   American Samoa
   Guam
   Marshall Islands
   Palau
   Micronesia
   Northern Mariana Islands

Pro Forma
For the purpose of the FDIC and the Deposit Market Share Report, Pro Forma refers to the combined data for the merged offices or institutions.

Regions (FDIC)
Northeast Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, U.S. Virgin Islands
 
Southeast Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia
 
Central Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin
 
Midwest Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota
 
Southwest Arkansas, Louisiana, New Mexico, Oklahoma, Texas
 
West Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming, American Samoa, Guam, Marshall Islands, Micronesia, Northern Mariana Islands, Palau

Savings Institution (FDIC insured)
Includes FDIC-insured savings institutions that operate under state or federal banking codes applicable to thrift institutions.

Selected Criteria
The data entered by the user to generate the report.

Sort By
Order by which the deposit data is displayed.

State
Location of branches/offices of FDIC insured institutions.

State and County Map Search
A point and click application that produces a list of all FDIC insured branches/offices within the selected county.

US Branches of Foreign Banks
Includes FDIC-insured insured branches that operate in the U.S. established by banks chartered and headquartered in foreign countries. These branches are regulated by one of the three Federal commercial bank regulators and submit financial data to the Federal Reserve.

Zip Code
The first five digits of the full postal zip code representing physical location of the institution's main office or branch/office location
Contact Information

We rely on your comments to improve our products. If you have any suggestions or comments about this product, we would love to hear from you. Please send your comments to Questions, Suggestions & Requests. If possible, include your telephone number.

For questions regarding the submission or collection of the Summary of Deposits survey, please contact the FDIC at (800) 688-3342 or email us at SOD@fdic.gov

Bankers with FDICconnect issues should contact us using one of the following options:

  • Click on the Contact Us link in the upper right hand corner of each screen
  • Send an email to FDICconnect@fdic.gov
  • Call toll-free, 1-877-275-3342, Option 5 from the Banker Menu

Solutions to Common Problems

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