County banking markets / MI / 26125
OaklandMichigan
FIPS 26125. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 82 counties in Michigan’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 (991) and moderately concentrated on deposits (1,583).
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
342 branch offices and 29 institutions in 1994; 264 and 29 in 2025. Deposits booked in the county went from $15.25B to $83.22B, 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 | $22.68B | 27.25% | 23 | 8.71% |
| 2 | Flagstar Bank, National Association cert 32541 | $15.81B | 18.99% | 25 | 9.47% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $11.62B | 13.96% | 39 | 14.77% |
| 4 | PNC Bank, National Association cert 6384 | $9.48B | 11.39% | 19 | 7.20% |
| 5 | The Huntington National Bank cert 6560 | $7.19B | 8.64% | 35 | 13.26% |
| 6 | Comerica Bank cert 983 | $6.44B | 7.74% | 41 | 15.53% |
| 7 | Fifth Third Bank, National Association cert 6672 | $2.61B | 3.13% | 19 | 7.20% |
| 8 | Citizens Bank, National Association cert 57957 | $1.97B | 2.37% | 21 | 7.95% |
| 9 | CIBC Bank USA cert 33306 | $1.38B | 1.66% | 1 | 0.38% |
| 10 | Oxford Bank cert 9719 | $668.7M | 0.80% | 6 | 2.27% |
| 11 | First Merchants Bank cert 4365 | $648.5M | 0.78% | 9 | 3.41% |
| 12 | Independent Bank cert 27811 | $539.6M | 0.65% | 3 | 1.14% |
| 13 | Bank of Ann Arbor cert 34120 | $345.3M | 0.41% | 1 | 0.38% |
| 14 | Citizens State Bank cert 8183 | $312.7M | 0.38% | 1 | 0.38% |
| 15 | Waterford Bank, N.A. cert 58433 | $268.1M | 0.32% | 2 | 0.76% |
| 16 | Mi Bank cert 59138 | $228.4M | 0.27% | 1 | 0.38% |
| 17 | Huron Valley State Bank cert 57990 | $224.6M | 0.27% | 3 | 1.14% |
| 18 | The Northern Trust Company cert 913 | $164.6M | 0.20% | 1 | 0.38% |
| 19 | Superior National Bank cert 5058 | $125.2M | 0.15% | 2 | 0.76% |
| 20 | Mercantile Bank cert 34598 | $113.3M | 0.14% | 1 | 0.38% |
| 21 | Horizon Bank cert 4360 | $95.8M | 0.12% | 1 | 0.38% |
| 22 | ChoiceOne Bank cert 1014 | $93.8M | 0.11% | 2 | 0.76% |
| 23 | KeyBank National Association cert 17534 | $77.1M | 0.09% | 2 | 0.76% |
| 24 | The Farmers & Merchants State Bank cert 5969 | $56.2M | 0.07% | 1 | 0.38% |
| 25 | Community Unity Bank cert 59305 | $51.6M | 0.06% | 1 | 0.38% |
| 26 | First State Bank cert 15032 | $21.3M | 0.03% | 1 | 0.38% |
| 27 | First Community Bank cert 13179 | $11.5M | 0.01% | 1 | 0.38% |
| 28 | Wells Fargo Bank, National Association cert 3511 | $0K | 0.00% | 1 | 0.38% |
| 29 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.38% |
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 Michigan, or read the methodology for the two HHI constructions and what they cannot tell you.