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Data Corner: Distribution of Bank Branches

This animated map shows the distribution of the top 10 banks branch locations (ranked by assets) versus all of the other banks in the system from 1994 through 2018. The top 10 banks (in red) are heavily focused in urban/metropolitan areas, while the other 5,541 banks (in green), mostly community banks, often provide the only coverage in less dense/more rural areas outside of major cities. 

In fact, almost one out of every five U.S. counties have no other physical banking offices except those operated by community banks, according to the FDIC Community Bank Study. (Note: the FDIC definition of community banks is different from the “all banks under the top 10” classification used in this analysis).

Out of 5,551 banks in Q2 2018, the top 10 held 50.7 percent of all assets, while the remaining 5,541 held less than half of all assets in the nation (or 49.3 percent).

Branch data for this analysis is taken from the FDIC Summary of Deposits data. For more industry analysis charts and tools, visit data.csbs.org.

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