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Local Concentration in the Small Business Lending Market and Its Relationship to the Deposit Market, Accessible Data

Figure 1: Average HHI

HHI

Market Size	Deposit HHI	CRA HHI
<=$10^1.5	9754	1915
>$10^1.5, <=$10^2	7641	2074
>$10^2, <=$10^2.5	5016	1907
>$10^2.5, <=$10^3	3325	1767
>$10^3, <=$10^3.5	2639	1432
>$10^3.5, <=$10^4	1897	1093
>$10^4	2029	777

Figure 2: In-Market Bank Share

Market Share

Market Size	In-Market Bank Share
<=$10^1.5	15.41%
>$10^1.5, <=$10^2	31.09%
>$10^2, <=$10^2.5	46.39%
>$10^2.5, <=$10^3	61.30%
>$10^3, <=$10^3.5	67.62%
>$10^3.5, <=$10^4	71.20%
>$10^4	72.33%

Figure 3: In-Market Loan Share

Market Share

Bank Deposit Size	In-Market Loan Share
<=$10^3	80.55%
>$10^3, <=$10^3.5	79.16%
>$10^3.5, <=$10^4	78.02%
>$10^4, <=$10^4.5	76.82%
>$10^4.5, <=$10^5	53.73%
>$10^5	55.38%

Figure 4: Average HHI

HHI

Market Size	Deposit HHI	SBL HHI
<=$10^1.5	10000	4134
>$10^1.5, <=$10^2	6605	3878
>$10^2, <=$10^2.5	3838	2755
>$10^2.5, <=$10^3	2532	1850
>$10^3, <=$10^3.5	1858	1133
>$10^3.5, <=$10^4	1416	792
>$10^4	1717	600

Last Update: August 24, 2021