County banking markets / MA / 25021
NorfolkMassachusetts
FIPS 25021. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 14 counties in Massachusetts’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (549) and unconcentrated on deposits (911).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
210 branch offices and 56 institutions in 1994; 220 and 38 in 2025. Deposits booked in the county went from $9.34B to $36.31B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Bank of America, National Association cert 3510 | $7.66B | 21.08% | 19 | 8.64% |
| 2 | Citizens Bank, National Association cert 57957 | $4.94B | 13.60% | 25 | 11.36% |
| 3 | Needham Bank cert 26483 | $3.24B | 8.92% | 8 | 3.64% |
| 4 | Rockland Trust Company cert 9712 | $2.40B | 6.61% | 18 | 8.18% |
| 5 | Santander Bank, N.A. cert 29950 | $1.84B | 5.06% | 15 | 6.82% |
| 6 | Dedham Institution for Savings cert 23620 | $1.83B | 5.04% | 12 | 5.45% |
| 7 | Eastern Bank cert 32773 | $1.74B | 4.80% | 15 | 6.82% |
| 8 | South Shore Bank cert 90303 | $1.72B | 4.73% | 8 | 3.64% |
| 9 | Brookline Bank cert 17798 | $1.45B | 3.99% | 8 | 3.64% |
| 10 | TD Bank, National Association cert 18409 | $1.37B | 3.77% | 12 | 5.45% |
| 11 | Middlesex Savings Bank cert 90183 | $903.6M | 2.49% | 8 | 3.64% |
| 12 | OneLocal Bank cert 26555 | $822.8M | 2.27% | 4 | 1.82% |
| 13 | North Shore Bank, a Co-operative Bank cert 26484 | $741.6M | 2.04% | 8 | 3.64% |
| 14 | JPMorgan Chase Bank, National Association cert 628 | $710.5M | 1.96% | 11 | 5.00% |
| 15 | The Bank of Canton cert 90175 | $636.7M | 1.75% | 5 | 2.27% |
| 16 | Walpole Co-operative Bank cert 26487 | $497.8M | 1.37% | 1 | 0.45% |
| 17 | HarborOne Bank cert 59070 | $472.6M | 1.30% | 5 | 2.27% |
| 18 | Coastal Heritage Bank cert 26591 | $381.1M | 1.05% | 5 | 2.27% |
| 19 | East West Bank cert 31628 | $352.0M | 0.97% | 1 | 0.45% |
| 20 | Dean Co-operative Bank cert 27269 | $286.4M | 0.79% | 2 | 0.91% |
| 21 | Colonial Federal Savings Bank cert 28481 | $284.3M | 0.78% | 4 | 1.82% |
| 22 | Charles River Bank cert 26602 | $241.9M | 0.67% | 3 | 1.36% |
| 23 | Webster Bank, National Association cert 18221 | $185.3M | 0.51% | 4 | 1.82% |
| 24 | Wrentham Co-operative Bank cert 26576 | $165.7M | 0.46% | 3 | 1.36% |
| 25 | PNC Bank, National Association cert 6384 | $149.2M | 0.41% | 2 | 0.91% |
| 26 | 42 North Private Bank cert 27015 | $136.0M | 0.37% | 1 | 0.45% |
| 27 | Canton Co-operative Bank cert 26450 | $134.7M | 0.37% | 1 | 0.45% |
| 28 | Bluestone Bank cert 90169 | $124.7M | 0.34% | 1 | 0.45% |
| 29 | Hingham Institution for Savings cert 90211 | $118.4M | 0.33% | 1 | 0.45% |
| 30 | First-Citizens Bank & Trust Company cert 11063 | $118.2M | 0.33% | 1 | 0.45% |
| 31 | Stoughton Co-operative Bank cert 26513 | $116.5M | 0.32% | 1 | 0.45% |
| 32 | MountainOne Bank cert 90253 | $115.7M | 0.32% | 1 | 0.45% |
| 33 | Manufacturers and Traders Trust Company cert 588 | $103.4M | 0.28% | 2 | 0.91% |
| 34 | Salem Five Cents Savings Bank cert 23296 | $90.2M | 0.25% | 1 | 0.45% |
| 35 | Fidelity Co-operative Bank cert 26451 | $80.2M | 0.22% | 1 | 0.45% |
| 36 | NorthEast Community Bank cert 29147 | $69.4M | 0.19% | 1 | 0.45% |
| 37 | BayCoast Bank cert 90196 | $66.9M | 0.18% | 1 | 0.45% |
| 38 | Bristol County Savings Bank cert 23622 | $23.7M | 0.07% | 1 | 0.45% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Massachusetts, or read the methodology for the two HHI constructions and what they cannot tell you.