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Deposit surged despite all the challenges in banking, according to the FDIC's latest Summary of Deposits. However, underneath that upbeat number are a lot banks and thrifts that are suffering and a few that are capitalizing on the chaos. Here is a slideshow with the highlights and lowlights.

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Branches Keep Dwindling ...

Branches once again shrunk, to 94,725 at June 30, from 96,339 a year earlier, a drop of nearly 2%.

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... But Deposits Rise 7%

Deposits nationwide surged to $10.1 trillion at all banks, up from $9.4 trillion last year. Deposits could be volatile next year, if interest rates rise, leading customers to hunt for higher yields at different banks or in nonbank accounts.

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Endangered Species

The smallest banks continue to shrink. Total deposits held by banks with less than $300 million in assets fell. The actual number of those institutions also fell, as did those institutions' number of branches.

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Heartland Heartache

Community banks' traditional strongholds are rural areas and small towns. But community banks' market share in those areas seems to be slowly eroding, especially in states like Kansas and Iowa.

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Thrifts' Divided Fortunes

Thrifts face pressure on many fronts, and the total number of them fell once again, this time by 6% from last year. Total thrift deposits, on the other hand, rose from last year.

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Capital Ambitions

Banks compete fiercely for bragging rights in certain towns, and the Summary of Deposits serves as a yearly scorecard. The $687 million-asset Illinois National Bank made a big move this year in its hometown of Springfield, the state capital, moving from No.4 to No. 2 in market share.
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Tight Race in Toledo

Market share in some cities is so tight that the leaders are in a virtual tie for first place. In Toledo, Ohio, only 0.04 percentage points separate Fifth Third Bank from Huntington National Bank for the top spot.

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Picking the Home Team

The biggest banks do not always rule the roost, as community banks hold top market share in some cities. The $2.9 billion-asset Union Bank & Trust is No. 1 in its hometown of Lincoln, Neb., home of the Cornhuskers
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