Can a US bank hold more than 10% of deposits if customer migrate on their own without M&A?

So when it comes to M&A in the banking industry, i understand the following:

"U.S. banking laws prohibit one bank from acquiring another if the acquisition would push that bank over 10% U.S. deposit market share"

But how about if customers migrate on their own to any given bank?

Would the government actively prevent customers from doing so?

Thanks