BANKING MARKETS & LENDER RESEARCH · SEPTEMBER 19, 2026
FDIC Publishes 2026 Branch-Deposit and Market-Share Data
The FDIC released its annual Summary of Deposits dataset, covering branch-level deposits for more than 75,000 domestic offices operated by over 4,200 insured institutions as of June 30, 2026.
What the September 18 release provides
Source publication date: September 18, 2026. The FDIC said its annual Summary of Deposits survey contains branch-level deposit information for more than 75,000 domestic offices operated by more than 4,200 FDIC-insured commercial banks, savings banks, savings associations, and U.S. branches of foreign banks. The observations are measured as of June 30, 2026. The release describes the scope of the dataset; it does not report that every institution or local market grew.
- 01Data measured June 30
- 02More than 4,200 institutions
- 03Market presence is not loan approval
The data can show local presence and concentration
Users can locate offices in a geographic area, review local deposit trends, and compare deposit market share by institution, county, state, or metropolitan statistical area. The historical series extends to 1994 and is available through reports, maps, tables, and downloads. Deposit share can help identify institutions with a meaningful local footprint, but it does not reveal an individual bank’s current loan budget, product capability, collateral policy, or willingness to finance a particular industry.
Why this matters to commercial borrowers and investors
A lender with local deposits and branches may understand an area well, while a specialized commercial lender may serve the same market without a large branch footprint. Deposits are one funding source and market-share measure, not a promise of credit availability. Borrowers still need to evaluate transaction size, property location, loan type, industry limits, regulatory authority, relationship expectations, servicing, and execution record. Investors should distinguish market presence from asset quality or future performance.
Practical borrower takeaway
Use the FDIC dataset to build a research list, not to rank lenders automatically. For each candidate, confirm the lending office, decision geography, typical loan size, industry and property appetite, recourse, deposit requirements, pricing structure, third-party reports, and estimated closing time. Present the same complete financing package to suitable institutions so proposals can be compared on executable terms rather than branch count or deposit share alone.
Borrowers can use the dataset to research local bank presence and market concentration, then verify each institution’s actual product, geography, industry appetite, underwriting, and closing capacity.
Discuss a financing need →This independent summary is based on the cited source and is provided for general educational purposes only. Terms and program requirements may change.