Oregon (NEC 2023)
The power meter from the utility is mounted on an exterior garage wall. Right next to the meter box, but on the interior side, is a breaker box with a single 200A breaker. That breaker then feeds a typical 200A load center on the opposite interior garage wall, which itself has a main breaker. The load center has neutral and ground bonded.
I have no idea why there is that first interior breaker, but it did make me think: is that downstream load center then technically considered a subpanel? And thus, would it need to have neutral and ground separated?
In the upstream interior breaker box, there is no bonding between the neutral and ground (which is just a grounding rod in that box). I don't even see a way you'd bond them because they aren't close together like in a typical load center, which usually has a piece of metal and fastener spots specifically designed for bonding.
Update: I just thought of a possible explanation: the load center is newer than the interior breaker box I believe. Possibly the old load center was where the interior breaker box is now, and the interior breaker box is serving as a big "splice" to extend the service wires from the meter and ground rods to the new load center, which is just across the garage. Either way, I still don't know if this theory would change anything about the load center technically being a subpanel under the NEC 2023.
Update 2: Here is a photo of the interior breaker box. Upon closer inspection, I now see there are some small lugs next to the neutral lugs that could be used to bond the ground wire. But for whatever reason, someone installed the small grounding bar and has the ground wire from the load center and grounding rods connected there.