An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

FDIC Deposit Market Share Reports provide information about the percentage of deposits that an FDIC-affiliated institution holds within a geographic area.

Users can run reports and visualize data by state, county, postal code, or metropolitan statistical area (MSA). Data is available to compare a bank’s market share to other institutions and to understand a bank’s year-over-year numbers. The reports pull information from the yearly Summary of Deposits (SOD) survey, with data available back to 1994.

The Value of FDIC Deposit Market Share Reports

A bank might use data from the FDIC Deposit Market Share Reports in a variety of ways, such as:

  • Competitive analysis: Financial institutions can determine where they rank in specific geographic areas against other banks. Additionally, banks with multiple branches may be able to identify their underperforming locations and develop strategies for improvement.
  • Marketing: Based on competitive analysis from FDIC Deposit Market Share Reports, financial institutions may be able to make data-driven decisions about the best use of their marketing dollars.
  • Growth: Using the “Growth Rate” tab, banks can determine their own (or their competitors’) year-over-year deposit trends. 
  • Acquisition and merger analysis: The “Pro Forma” tab on the FDIC Deposit Market Share Report page could make it easier for a banker to estimate the effect of an acquisition or merger between two institutions in a targeted geographic area.

To learn more about the data available through FDIC Deposit Market Share reports, click here.

More Resources for Bankers

Looking for more information about best practices in the banking industry? Be sure to check out our extensive resource library with free spreadsheets, whitepapers, videos and eBooks.

Browse our banking definitions page for more terminology.

Explore more resources

Benefits of Unify in the Cloud

With its cloud native, thin client architecture, Unify simplifies image acquisition and processing by powering all Day 1 and Day 2 channels with the same modern platform. Benefit from tighter integrations to third-parties and faster access to data analytics...
Read More »

Related articles

Tuesday 28 November 2023

Level Up Your Information Management Strategy: From Employee-Only to Enhanced Self-Service

The same level of transaction flexibility that digital and remote banking solutions offer can also be extended to your enterprise content and information management solution…

Learn More »

Monday 13 November 2023

[Playbook] Automating the Assignment of To-Dos with Task Groups

A task group is a predefined list of tasks that can be applied to multiple situations. Banks and credit unions can use task groups to…

Learn More »

Tuesday 7 November 2023

Cut Costs Through Modernization: Fix these Gaps in your 2024 Deposits Strategy

With current market conditions, combined with aging technology that drive up processing costs, determining a strategy that keeps overhead down and efficiencies up is critical…

Learn More »

Wednesday 25 October 2023

10 Questions VP Loan Managers Ask about AccuAccount

Does your financial institution need a better way to manage its commercial loan documents and related exceptions? Perhaps you’ve looked at our AccuAccount product, but…

Learn More »

Tuesday 17 October 2023

Cloud Native vs. Cloud Ready Solutions and Why It Matters for Banks and Credit Unions

These days, it’s cloud computing or bust – but is cloud ready or cloud native better for your bank or credit union? To stay competitive…

Learn More »

Tuesday 3 October 2023

The Last Mile of Check Processing: A Hidden Financial and Operational Impact

In the age of technology, financial institutions are often looking for ways to automate processes and make them more cost-efficient. However, when it comes to…

Learn More »

Wednesday 27 September 2023

How to Enable Better Experiences for Multiple Stakeholders with Streamlined Document Management

Document management is often considered a “back-office” function that minimally impacts a financial institution’s key business objectives. In reality, streamlined document management can play a…

Learn More »

Tuesday 19 September 2023

From Data to Results: The Role of Personalization in Your Digital Banking Platform

One powerful strategy to enhance the user experience and drive engagement on digital platforms is through built-in contextual marketing. In the world of digital banking…

Learn More »