County banking markets / FM / 64060
YapFederated States of Micronesia
FIPS 64060. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025 (present in 31 of those 32 surveys). One of 4 SOD geographies in Federated States of Micronesia’s 2025 survey.
This code is not a US county equivalent. Federated States of Micronesia is a sovereign state in free association with the United States, not US territory, and Census does not treat its FIPS codes as county equivalents. Read the figures below as a banking market, not as a US county.
Gaps in the panel. This code reports no branch in 1 survey year between 1994 and 2025. Those years carry no point on the charts below, which join the surveys either side of them.
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 highly concentrated on branches (5,000) and highly concentrated on deposits (5,410).
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
1 branch office and 1 institution in 1994; 2 and 2 in 2025. Deposits booked in the county went from $10.4M to $37.8M, 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 the Federated States of Micronesia cert 26539 | $24.3M | 64.32% | 1 | 50.00% |
| 2 | Bank of Guam cert 20884 | $13.5M | 35.68% | 1 | 50.00% |
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 Federated States of Micronesia, or read the methodology for the two HHI constructions and what they cannot tell you.