Analyze deposit market share and concentration for an MSA or city market using FDIC Summary of Deposits (SOD) data.
Computes market share for all institutions in a geographic market, ranks them by deposits, and calculates the Herfindahl-Hirschman Index (HHI) for market concentration analysis per DOJ/FTC merger guidelines.
Two entry modes:
- MSA market: provide msa as the numeric MSABR code (e.g., msa: 19100 for Dallas-Fort Worth-Arlington, msa: 42660 for Seattle-Tacoma-Bellevue). Use fdic_search_sod to look up MSABR codes.
- City market: provide city (branch city name, e.g., "Austin") and state (two-letter code, e.g., "TX").
Output includes:
- Market overview with total deposits, institution count, and HHI classification
- Optional highlighted institution showing rank and share (provide cert)
- Top institutions ranked by deposit market share
- Structured JSON for programmatic consumption
Requires at least one of: msa (numeric MSABR code), or city + state.
Connector