FDIC Releases Updated Summary of Deposits Annual Survey
The Federal Deposit Insurance Corporation (FDIC) Friday released the survey of branch office deposits as of June 30, 2016, for all FDIC-insured institutions.
The Summary of Deposits (SOD) annually provides deposit totals for each of the more than 91,000 domestic offices operated by more than 6,000 FDIC-insured commercial and savings banks, savings associations, and U.S. branches of foreign banks.
Users can locate offices in a particular geographic area and create custom market share reports for a geographic area such as state, county, and metropolitan area. The FDIC has expanded the market share reports to allow users to see market growth and market presence for specific institutions. Data dating back to 1994 can be downloaded for analysis.
To receive annual updates of the SOD, go to the subscription page on the FDIC website.
What does the Summary of Deposits release mean for CRA and HMDA filers?
This post reprints the FDIC's press release PR-83-2016 of September 30, 2016, which published branch office deposits as of June 30, 2016 for every FDIC-insured institution, with market share reports by state, county and metropolitan area. For a bank that reports CRA data, those county and metro deposit shares show where it actually gathers deposits and how large it is next to competitors in each market. Check them whenever you draw or review a CRA assessment area. If you also report HMDA, put your deposit share beside your mortgage lending in the same counties; the counties where you take deposits but make few loans are the ones to look at first.
The FDIC still runs the survey every year. Its 2026 filing letter, FIL-25-2026, applies to every institution with branch offices, and current results are on the FDIC's Summary of Deposits site.
Links:
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- How to Fix the 10 Most Common HMDA Edit Check Errors
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- Fair Servicing: What Examiners Test in Servicing Data, and How to Test It First
- Fair Lending Self-Assessment: A Step-by-Step Guide for 2026
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- What Actually Counts as a Small Business Loan Under Section 1071
- Section 1071 in 2026: What Lenders Need to Know About Small Business Lending Data
