Since she took the reins of Bendigo Bank in July last year, one of Marnie Baker's consistent messages has been that the scandals afflicting the major banks have been delivering her organisation a steady flow of new customers.In an interview with the AFR last October, Baker declared that the shift of retail customers from the majors to Bendigo was happening in a significant way."Our customer numbers are rising and we will be able to provide some more information about that when we get to the half year," she told the AFR."But all measures and signs are reinforcing the common view we have got, that was originally anecdotal, but is now backed up by more data - there is a real change occurring."While official data published by APRA shows that Bendigo grew its deposits base in the 2019 calendar year, the increase hardly reflected a "loud and clear" shift in customer preference in favour of the Victorian-based regional.In fact, the official data shows that when it comes to consumer deposits Bendigo's expansion was slower than CBA, NAB and Westpac - and well below the system growth rate of 4.9 per cent.Between January and December last year Bendigo expanded its pile of household deposits by around A$700 million to $26.9 million. That represents an increase of only 2.5 per cent.While it is true that the data also shows that all four major banks were unable to expand retail deposits at the system growth rate - CBA, NAB and Westpac each managed to eke out growth slightly above 4 per cent.Only ANZ grew household deposits slower than Bendigo after posting a 2 per cent increase in the market segment.There's some truth to the observation made by Baker last October that small deposit takers did win market share from the majors during the hearings of the Hayne Royal Commission.However, the APRA data indicates that Bendigo was not a beneficiary of that shift.Instead, retail customers took their deposits to a collection of other institutions such as ME Bank, ING, HSBC, CUA and Macquarie.The bottom line for Bendigo was that it lost market share.