County banking markets / MI / 26163
WayneMichigan
FIPS 26163. 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 (1,163) and highly concentrated on deposits (3,120).
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
416 branch offices and 27 institutions in 1994; 235 and 17 in 2025. Deposits booked in the county went from $23.20B to $76.16B, 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 | JPMorgan Chase Bank, National Association cert 628 | $35.42B | 46.51% | 38 | 16.17% |
| 2 | Comerica Bank cert 983 | $22.39B | 29.40% | 42 | 17.87% |
| 3 | The Huntington National Bank cert 6560 | $4.39B | 5.76% | 29 | 12.34% |
| 4 | Bank of America, National Association cert 3510 | $3.88B | 5.10% | 23 | 9.79% |
| 5 | PNC Bank, National Association cert 6384 | $2.58B | 3.39% | 25 | 10.64% |
| 6 | Citizens Bank, National Association cert 57957 | $2.56B | 3.36% | 24 | 10.21% |
| 7 | Fifth Third Bank, National Association cert 6672 | $2.01B | 2.64% | 19 | 8.09% |
| 8 | Flagstar Bank, National Association cert 32541 | $1.15B | 1.51% | 14 | 5.96% |
| 9 | First Independence Bank cert 20179 | $472.9M | 0.62% | 2 | 0.85% |
| 10 | First Merchants Bank cert 4365 | $415.4M | 0.55% | 7 | 2.98% |
| 11 | Grasshopper Bank, N.A. cert 59113 | $321.5M | 0.42% | 1 | 0.43% |
| 12 | Bank of Ann Arbor cert 34120 | $197.1M | 0.26% | 1 | 0.43% |
| 13 | Dearborn Federal Savings Bank cert 29874 | $172.2M | 0.23% | 5 | 2.13% |
| 14 | Independent Bank cert 27811 | $106.7M | 0.14% | 1 | 0.43% |
| 15 | KeyBank National Association cert 17534 | $47.8M | 0.06% | 2 | 0.85% |
| 16 | Liberty Bank and Trust Company cert 20856 | $42.9M | 0.06% | 1 | 0.43% |
| 17 | JPMorgan Chase Bank, Dearborn cert 21761 | $500K | 0.00% | 1 | 0.43% |
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.