FinObservatory

Deposit market structure / AS

American Samoa

Branch-office deposits reported to the FDIC Summary of Deposits survey by institutions operating in American Samoa, June 30 of each survey year, 19942023. Dollar figures are the survey’s thousands-of-USD unit displayed as $B/$T. American Samoa is not one of the 50 states; small jurisdictions with few reporting institutions carry structurally high HHIs.

Coverage note. The latest survey year with branches reported in American Samoa is 2023; the survey’s latest year overall is 2025. All latest-year figures on this page are as of June 30, 2023.

$2.1M
Deposits
June 30, 2023
2
Branch offices
June 30, 2023
1
Institutions
with in-state branches
10000
Statewide deposit HHI
highly concentrated (2010 HMG bands)

Deposits, 19942023

Office-assigned deposits at branches in American Samoa went from $93.2M in 1994 to $2.1M in 2023, nominal.

Deposits
$0K$100M$200M$300M19942000201020202023

Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2023. State-level aggregate of branch rows. Methodology

Branches and institutions

The branch network in American Samoa peaked at 7 offices in 2006; the 2023 survey counts 2. The institution count moved from 2 (1994) to 1 (2023).

Branch officesInstitutions with in-state branches
0246819942000201020202023

Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2023. Methodology

Deposit concentration (HHI)

Statewide institution-share HHI: the sum of squared percent shares of each institution’s in-state deposits, 0–10,000. The shaded bands are the agencies’ 2010 Horizontal Merger Guidelines classification (section 5.3): unconcentrated below 1,500, moderately concentrated 1,500–2,500, highly concentrated above 2,500. The dashed line marks the 2023 Merger Guidelines threshold, under which markets with an HHI above 1,800 are highly concentrated (Guideline 1). American Samoa’s HHI is 10000 in 2023 (highly concentrated on the 2010 bands), against 5002 in 1994 and a span peak of 10000 in 2020. A statewide HHI is descriptive: merger review defines banking markets locally, not by state.

Statewide deposit HHI
02,5005,0007,50010,0001,800 (2023 MG)19942000201020202023

Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | DOJ & FTC, Merger Guidelines (2023), Guideline 1 HHI computed from FDIC Summary of Deposits branch rows, June 30 of each survey year, 1994-2023. Methodology

Largest institutions by in-state deposits, 2023

Branch rows grouped by FDIC certificate; names as reported to the survey. Share is of all SOD deposits booked in American Samoa that year, the same shares the statewide HHI squares and sums.

#InstitutionDepositsShareBranches
1ANZ Guam, Inc. cert 33316$2.1M100.00%2

Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2023. Deposits are office-assigned; an institution's internal allocation practices shape where its balances appear. Methodology

County concentration extremes, 2023

American Samoa has 1 county-level geography in the survey, shown by county-level deposit HHI. A county served by a single institution sits at the 10,000 ceiling by construction; thin county markets are the norm outside metros.

County

CountyHHIInst.Branches
Eastern1000012

Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2023. County HHIs use institution shares of summed branch deposits within the county. Methodology

Back to the national overview, or see the methodology for the survey definition, the HHI construction, and the office-assignment caveat.