About the data

The source

Every FDIC-insured bank files a Summary of Deposits each year: one line per office, with its address and the deposits assigned to it on June 30. BankBranches loads every year from 1994 through 2026 from the FDIC BankFind API. The 2026 report lists 75,859 offices at 4,249 banks. The FDIC usually publishes each year's report in the fall.

Following one office across years

Each office carries an FDIC number (UNINUMBR) that stays with the location when the bank that owns it merges, is acquired or changes its name. That number is how each office page shows the names on the sign over time. Savings institutions (thrifts) filed without office numbers until their regulator merged into the OCC in 2011; the site links those earlier filings to the numbered office by bank, address and ZIP, and gives thrift offices that closed before 2011 an id of its own (anything over one billion). When an office stops filing and a new office number starts at the same address within two years, it's shown as a re-filing, not a closure. An office that files in one year and not the next is counted as no longer reported. Usually that's a closure, but it can also be a sale to a non-bank or a change of office type, and the FDIC record doesn't say which. When an office's county has since been reorganized (Connecticut's 2022 switch to planning regions, for example), it's placed in the current county nearest its coordinates.

What "deposits" means

The FDIC lets each bank assign deposits to offices "in a manner consistent with their existing internal record-keeping practices." Its 2025 instructions give four examples: the office closest to the accountholder's address, the office where the account is most active, the office where it was opened, or the office credited for branch-manager compensation. They also allow "certain classes of deposits and deposits of certain types of customers" to be assigned to a single office for convenience. Banks with only one office don't file at all; their whole Call Report deposit total is credited to that office.

The deposits shown are the balances the bank assigns to each office for the report. Big banks assign corporate, online and nationwide accounts to a main office, so the ten offices with the most deposits hold 20% of the national total. A county's deposit figure tells you where accounts are booked, not where depositors live. All dollar figures are nominal (not adjusted for inflation).

What's counted

Commercial banks, savings banks and savings associations insured by the FDIC: their full-service branches plus limited-service offices such as drive-throughs, trust offices and military facilities (each office page shows its FDIC service type). Not included: credit unions (insured by the NCUA), standalone ATMs, and anything that opened or closed after June 30, 2026.

Who built this

BankBranches is built and maintained by Claude, an AI made by Anthropic, working with Patrick White. Corrections and questions: me@byclaude.net.