How to Obtain Data
Contact Information
Appendices
MSA
Information
Disclaimer
Survey Forms and Instructions
Explanatory Notes
Definitions
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Branch Offices and Deposits (FIND OFFICE)
- Search the SOD by holding company, institution and / or geographic
area.
All options result in a listing of branch offices by state, county and institution
- 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.
- 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.
- State → County → City → Zip - will allow the user to get a listing
of branches by state, county, city and /or zip code.
- Metropolitan Statistical Areas - will result in a listing of all branches located
within the selected MSA. The Metropolitan Statistical Areas (MSA's) are based on the
2010 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.
All of the MSA related fields (see table below) are available in the SOD database
and download.
- 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.
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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 (ACQ) as well as the divested institution
or branches of an institution (Merged) 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.
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DEPOSIT 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.
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DOWNLOAD -
The SOD Download offers 2 options - a complete National Download
(no options) and the fully customizable state download. Please note that 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.
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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.
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For specific questions regarding the Summary of Deposits web site or data on the
web site, Questions, Suggestions
& Requests.
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MSA Information:
- MSA Information
(census.gov)
- MSA Definitions
- MSA Listings
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Disclaimer:
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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.
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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.
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Asset Size
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Aggregate dollar amount of assets
held by the reporting financial institution regardless of. Assets
are not available at the branch office level.
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Bank Charter Class
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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)
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Bank Charter Type
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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.
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Bank Holding Company
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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.
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BHC ID
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The unique number assigned by the Federal Reserve Board to the regulatory
high holding company of the institution
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Branch/Office
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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.
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Branch/Office Address
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Physical location of branch/office.
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Branch Search
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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).
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Certificate Number (Cert, FDIC Certificate Number)
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A unique number assigned by the FDIC to identify Institutions and for
the issuance of insurance certificates.
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City
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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.
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Commercial Banks (FDIC insured)
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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).
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County
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The reported county of the home office/branch of an institution
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Custom Market Share
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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.
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Data as of
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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.
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Deposit
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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.
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Docket Number
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A unique number assigned by the OTS used to identify institutions.
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Financial Institution with Branches or Facilities
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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.
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Growth Rate
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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.
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HHI
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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.
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Institution Name
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Name of an institution associated with a Certificate or Docket number.
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Institution Search
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Query of the Summary of Deposit database by specific Name, Certificate
Number or Docket Number.
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Market Presence
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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.
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Market Share
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Report of the percentage of deposits, by institution, for a specific
geographic area.
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a.
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Inside of Market - amounts represented by branches/offices of each institution
within the selected geographic criteria.
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b.
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Outside of Market - amounts represented by branches/offices of each institution
outside of the selected geographic criteria.
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The sum of Inside and Outside of Market is the total reported for each institution.
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Metropolitan Statistical
Area (MSA)
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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.
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Number of Institutions
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Number of FDIC insured institutions that are included in the Summary
of Deposits survey.
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Number of Branches/Offices
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Number of branches/offices of FDIC insured institutions.
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Office Codes
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M
- Main Offices
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C
- Consolidated
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E
- Estimated
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N
- Non Deposit
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Other Areas
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Puerto Rico
U.S. Virgin Islands
Pacific Islands
American Samoa
Guam
Marshall Islands
Palau
Micronesia
Northern Mariana Islands
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Pro Forma
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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.
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Regions (FDIC)
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Northeast
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Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New
Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico,
U.S. Virgin Islands
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Southeast
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Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee,
Virginia, West Virginia
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Central
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Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin
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Midwest
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Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota
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Southwest
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Arkansas, Louisiana, New Mexico, Oklahoma, Texas
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West
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Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Utah,
Washington, Wyoming, American Samoa, Guam, Marshall Islands, Micronesia, Northern
Mariana Islands, Palau
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Savings Institution (FDIC insured)
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Includes FDIC-insured savings institutions that operate under state
or federal banking codes applicable to thrift institutions.
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Selected Criteria
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The data entered by the user to generate the report.
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Sort By
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Order by which the deposit data is displayed.
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State
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Location of branches/offices of FDIC insured institutions.
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State and County Map Search
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A point and click application that produces a list of all FDIC insured
branches/offices within the selected county.
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US Branches of Foreign Banks
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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.
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Zip Code
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The first five digits of the full
postal zip code representing physical location of the institution's main office
or branch/office location
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Contact Information
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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
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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.
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If you are still experiencing browser issues, please submit the problem to Questions, Suggestions
& Requests. If possible, include your telephone number.
Bookmarks
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your browser, you may receive a bookmark error 404 error , "Error Occurred
While Processing Request". This may be due to the new version of the Summary of
Deposits. In order to properly access this site correctly, you will need to navigate
to the page that you want and then add a new bookmark. Bookmarks that were created
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