County banking markets / TX / 48027
BellTexas
FIPS 48027. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 250 counties in Texas’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,411) and unconcentrated on deposits (1,256).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
33 branch offices and 19 institutions in 1994; 64 and 19 in 2025. Deposits booked in the county went from $1.37B to $5.43B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | First National Bank Texas cert 3285 | $1.24B | 22.89% | 20 | 31.25% |
| 2 | Extraco Banks, National Association cert 5551 | $1.01B | 18.71% | 7 | 10.94% |
| 3 | Cadence Bank cert 11813 | $677.0M | 12.48% | 7 | 10.94% |
| 4 | Bank of America, National Association cert 3510 | $406.8M | 7.50% | 2 | 3.13% |
| 5 | PNC Bank, National Association cert 6384 | $342.8M | 6.32% | 5 | 7.81% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $326.4M | 6.02% | 2 | 3.13% |
| 7 | First Texas Bank cert 11935 | $279.0M | 5.14% | 3 | 4.69% |
| 8 | Central National Bank cert 22396 | $260.4M | 4.80% | 1 | 1.56% |
| 9 | Horizon Bank, SSB cert 3256 | $213.1M | 3.93% | 3 | 4.69% |
| 10 | VeraBank, National Association cert 3250 | $188.0M | 3.47% | 4 | 6.25% |
| 11 | Wells Fargo Bank, National Association cert 3511 | $163.7M | 3.02% | 1 | 1.56% |
| 12 | Alliance Bank Central Texas cert 15657 | $106.5M | 1.96% | 1 | 1.56% |
| 13 | First United Bank and Trust Company cert 4239 | $82.0M | 1.51% | 1 | 1.56% |
| 14 | Security Bank of Texas cert 15731 | $49.4M | 0.91% | 2 | 3.13% |
| 15 | The Buckholts State Bank cert 11916 | $38.5M | 0.71% | 1 | 1.56% |
| 16 | SouthStar Bank, S.S.B. cert 12299 | $20.9M | 0.39% | 1 | 1.56% |
| 17 | Grandview Bank cert 3230 | $7.9M | 0.14% | 1 | 1.56% |
| 18 | Citizens National Bank cert 3127 | $4.3M | 0.08% | 1 | 1.56% |
| 19 | The First National Bank of Moody cert 3351 | $2.2M | 0.04% | 1 | 1.56% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Texas, or read the methodology for the two HHI constructions and what they cannot tell you.