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Summary of Deposits Home Find Office by Geographic and Institution Search Deposit Market Share section Summary Tables section Charts and Graphs section Summary of Deposits Publications Download section Institution Directory System Summary of Deposits Help

Summary of Deposits Help

How to Obtain Data
Contact FDIC / OTS
    MSA Listing
Survey Forms and Instructions
Explanatory Notes
Solutions to common problems?

For questions, problems or suggestions
     Email: Questions, Suggestions & Requests
     Phone: (202) 898-8723

For questions regarding the survey
     Phone: 1-800-688-3342

  1. Zip Code Queries
    Generate a detailed branch office deposit listing by entering the zip code directly.

  2. Summary Tables - State Totals by Year, Timeline
    Generate a snapshot of institutions, offices or deposits for each state for every year back to 1994.

  3. Pro Forma HHI Market Share Report
    Two reports are now offered, the Deposit Market Share and the Pro Forma HHI Market Reports. The Deposit Market Share Report shows the market based on existing institution conditions. In addition to showing the HHI, the Pro Forma shows the impact on a specified market as a result of proposed mergers.

  4. New 2000 MSA's
    The new Metropolitan Statistical Areas (MSAs) 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. 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.

  6. Expanded National Downloads
    The national downloads have been expanded for all years to include additional information such as the bank holding company.

  7. National and regional downloads
    In order to provide the Summary of Deposit data more efficiently, we have expanded the download features to include a full national download file as well as a separate download file for each FDIC SOD geographic region.

  8. Market Share Capabilities
    To simplify some of the custom market share capabilities, the market share option has been expanded to include market share reports by FDIC geographic region reports, eliminating the need to manually compile all individual states within the selected region.

  9. Top 50 Institutions / Bank Holding Companies
    Reports list the top 50 FDIC-insured institutions and the top 50 Bank Holding Companies based on national domestic deposits.

  10. Additional Geographical Selections
    Institution and Branch Search has been expanded to list all branches/offices within a selected MSA or all branches/offices of a selected institution within a MSA.
    The Market Share and Bank Holding Company (BHC) reports have been expanded to include the ability to produce reports based on MSA(s) and zip code(s).

  11. Reported City vs. USPS City (preferred)
    In addition to the USPS preferred city, you can now locate branches/offices or get reports by the city name that the institution reported. Previously, only the USPS preferred city was used in SOD (and still is the only option for Market Share reports). The USPS preferred city is the standard city based on the reported zip code.

  12. Printer-Friendly Versions of the Reports
    All reports are now available in a printer-friendly version. This will produce a cleaner version of the report without the Internet navigation bar, hyperlinks and drop boxes. After you have generated the selected report, click on the link at the top left corner of the report and the printer-friendly version will appear. From this screen you can also save the report to an Excel file.

  13. Data-Driven Drop Boxes
    Geographical selections are limited to locations where offices exist. This means that states, cities, counties and zip codes that do not have offices will not be displayed as selection options.

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.

Obtaining Data on Magnetic Tape or Hardcopy Facsimile:
The data sets are available on magnetic tape, cartridge, and CD-ROM from the National Technical Information Service (NTIS), a branch of the U.S. Department of Commerce. Please note that to acquire data for all FDIC-insured institutions, you must include both the OTS and the FDIC data sets.

To order NTIS products:
Telephone (NTIS): 800-363-2068 or 703-605-6000

     OTS institutions (1986-Present)
     FDIC institutions (1966-Present)

The FDIC can provide individual institution report facsimiles for $10 each; and State or County level facsimiles for $25 each. Hardcopy report requests must be prepaid and should be mailed, with payment, to the FDIC, Department 0670, Washington, D.C. 20073-0670.

All other requests should be sent to the address below. All requests should include the mailing address and telephone number of the requester.

Federal Deposit Insurance Corporation
Public Information Center - Room 1002
3501 North Fairfax Drive
Arlington, VA 22226

Telephone: (703) 562-2200 or 1-877-ASK-FDIC (1-877-275-3342)

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 Summary of Deposits data or survey, please refer to the contacts listed in the box below.
FDIC FDIC OTS Branch Information ONLY
Statistical Analysis and Internet application questions and/or suggestions

Questions, Suggestions & Requests

Data Collection and/or Structure Revisions Reports Analysis & Quality Control Section

Telephone: (800) 688-3342
Office of Thrift Supervision

Ms. Cheyann Houts
Telephone: (972) 277-9617

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 home 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 and the OTS 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 (OTS-regulated and FDIC-regulated) 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
See Summary Tables
Dollar amount of assets held by the reporting financial institution.

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.

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

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.

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).

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.

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.

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 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 Federal Information Processing Standards (FIPS) Metropolitan Statistical Area (MSA) code is a number representing the institution location in one contiguous metropolitan area.

NOTE: If an institution is not defined in a MSA, the value of the field will be zeroes (values based on FIPS PUB 8.5).

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
   Marshall Islands
   Northern Mariana Islands

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, Louisana, 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

Report Type
Market Share report selection options.

Savings Institution (FDIC insured)
Includes FDIC-insured savings institutions 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).

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

Sort By
Order by which the deposit data is displayed.

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 or branch/office.

Solutions to Common Problems

Browser Settings - Cookies
In order to use the Summary of Deposits system, you must have cookies enabled within your browser. The latest version of the Summary of Deposits System makes use of user "sessions". User sessions allow the system to "remember" your search selections and other required information as you navigate from page to page. That temporary information is stored at the FDIC and accessed by a random session name. In order to match the user with the correct temporary information, a small piece of data, the session name, is written to a cookie on your hard drive. Nothing is written to your registry. Your user session remains active only during the current browser session. Once your browser is closed, or after a period of inactivity, the session information is deleted.

    Microsoft Internet Explorer 4.0
  1. Select View from the menu bar.
  2. Select Internet Options.
  3. Click on the Advanced tab.
  4. Scroll down to the Security Section
  5. Under Cookies select the 'Always Accept Cookies' radio button.

    Microsoft Internet Explorer 5.0+
  1. Select Tools from the menu bar.
  2. Select Internet Options.
  3. Click on the Security tab.
  4. Click the 'Custom Level' button.
  5. Scroll down to the Cookies section.
  6. Select the Enable radio buttons under 'Allow cookies that are stored on your computer.' and
    'Allow per-session cookies (not stored)'

    Netscape 4.04+
  1. Select Edit from the menu bar.
  2. Select Preferences.
  3. Select the Advanced category.
  4. Select the 'Accept all cookies' or 'Accept only cookies that get sent back to originating server' radio button.

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Questions, Suggestions & Requests

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