County banking markets / TX / 48029
BexarTexas
FIPS 48029. 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 (591) and highly concentrated on deposits (3,626).
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
187 branch offices and 39 institutions in 1994; 285 and 52 in 2025. Deposits booked in the county went from $10.89B to $164.24B, 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 | USAA Federal Savings Bank cert 32188 | $92.77B | 56.48% | 1 | 0.35% |
| 2 | Citibank, National Association cert 7213 | $31.13B | 18.96% | 1 | 0.35% |
| 3 | Frost Bank cert 5510 | $11.37B | 6.92% | 32 | 11.23% |
| 4 | Bank of America, National Association cert 3510 | $4.86B | 2.96% | 25 | 8.77% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $3.95B | 2.40% | 25 | 8.77% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $3.33B | 2.03% | 25 | 8.77% |
| 7 | Broadway National Bank cert 15797 | $3.08B | 1.88% | 20 | 7.02% |
| 8 | PNC Bank, National Association cert 6384 | $2.65B | 1.61% | 19 | 6.67% |
| 9 | Jefferson Bank cert 16470 | $2.23B | 1.36% | 11 | 3.86% |
| 10 | Texas Partners Bank cert 58581 | $1.33B | 0.81% | 4 | 1.40% |
| 11 | International Bank of Commerce cert 19629 | $1.01B | 0.62% | 19 | 6.67% |
| 12 | Farm Bureau Bank FSB cert 35157 | $917.9M | 0.56% | 1 | 0.35% |
| 13 | Texas Capital Bank cert 34383 | $748.8M | 0.46% | 2 | 0.70% |
| 14 | Zions Bancorporation, N.A. cert 2270 | $654.7M | 0.40% | 6 | 2.11% |
| 15 | Vantage Bank Texas cert 3405 | $613.2M | 0.37% | 2 | 0.70% |
| 16 | American Bank, National Association cert 20241 | $558.0M | 0.34% | 6 | 2.11% |
| 17 | PlainsCapital Bank cert 17491 | $323.1M | 0.20% | 4 | 1.40% |
| 18 | Truist Bank cert 9846 | $278.0M | 0.17% | 8 | 2.81% |
| 19 | Rio Bank cert 25886 | $258.3M | 0.16% | 3 | 1.05% |
| 20 | BOKF, National Association cert 4214 | $193.5M | 0.12% | 1 | 0.35% |
| 21 | Falcon International Bank cert 26856 | $176.7M | 0.11% | 2 | 0.70% |
| 22 | Sunflower Bank, National Association cert 4767 | $170.4M | 0.10% | 1 | 0.35% |
| 23 | Bank OZK cert 110 | $158.8M | 0.10% | 1 | 0.35% |
| 24 | Susser Bank cert 34885 | $154.0M | 0.09% | 1 | 0.35% |
| 25 | Texas Community Bank cert 24563 | $141.6M | 0.09% | 3 | 1.05% |
| 26 | Comerica Bank cert 983 | $131.5M | 0.08% | 5 | 1.75% |
| 27 | Amarillo National Bank cert 14531 | $127.4M | 0.08% | 1 | 0.35% |
| 28 | Schertz Bank & Trust cert 10344 | $84.2M | 0.05% | 1 | 0.35% |
| 29 | Prosperity Bank cert 16835 | $84.1M | 0.05% | 1 | 0.35% |
| 30 | Woodforest National Bank cert 23220 | $77.3M | 0.05% | 16 | 5.61% |
| 31 | MidFirst Bank cert 4063 | $73.8M | 0.04% | 1 | 0.35% |
| 32 | Lone Star National Bank cert 24347 | $70.6M | 0.04% | 5 | 1.75% |
| 33 | Pinnacle Bank cert 20231 | $62.7M | 0.04% | 1 | 0.35% |
| 34 | Hancock Whitney Bank cert 12441 | $51.3M | 0.03% | 1 | 0.35% |
| 35 | First National Bank Texas cert 3285 | $50.6M | 0.03% | 11 | 3.86% |
| 36 | ENCORE BANK cert 34562 | $46.9M | 0.03% | 1 | 0.35% |
| 37 | Third Coast Bank cert 58716 | $42.5M | 0.03% | 1 | 0.35% |
| 38 | American Momentum Bank cert 58309 | $38.3M | 0.02% | 1 | 0.35% |
| 39 | First Commercial Bank, National Association cert 24603 | $35.8M | 0.02% | 2 | 0.70% |
| 40 | Wallis Bank cert 20845 | $31.5M | 0.02% | 2 | 0.70% |
| 41 | SouthState Bank, National Association cert 33555 | $26.8M | 0.02% | 1 | 0.35% |
| 42 | Texas Champion Bank cert 11159 | $25.9M | 0.02% | 1 | 0.35% |
| 43 | Texas Heritage Bank cert 11903 | $25.6M | 0.02% | 1 | 0.35% |
| 44 | Citizens State Bank of Luling cert 10327 | $22.0M | 0.01% | 1 | 0.35% |
| 45 | Blue Sky Bank cert 14899 | $18.3M | 0.01% | 1 | 0.35% |
| 46 | SouthTrust Bank, N.A. cert 13919 | $17.7M | 0.01% | 1 | 0.35% |
| 47 | Texas Regional Bank cert 26906 | $14.8M | 0.01% | 1 | 0.35% |
| 48 | Commerce Bank Texas cert 15346 | $12.4M | 0.01% | 1 | 0.35% |
| 49 | First-Citizens Bank & Trust Company cert 11063 | $9.2M | 0.01% | 1 | 0.35% |
| 50 | Ozona Bank cert 3376 | $3.9M | 0.00% | 1 | 0.35% |
| 51 | First United Bank and Trust Company cert 4239 | $1.1M | 0.00% | 1 | 0.35% |
| 52 | Transpecos Banks, SSB cert 11178 | $0K | 0.00% | 1 | 0.35% |
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.