County banking markets / TX / 48039
BrazoriaTexas
FIPS 48039. 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 (511) and unconcentrated on deposits (903).
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
35 branch offices and 20 institutions in 1994; 63 and 27 in 2025. Deposits booked in the county went from $1.19B to $6.01B, 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 | Wells Fargo Bank, National Association cert 3511 | $1.12B | 18.66% | 6 | 9.52% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $953.9M | 15.87% | 3 | 4.76% |
| 3 | Bank of America, National Association cert 3510 | $555.1M | 9.24% | 3 | 4.76% |
| 4 | First State Bank cert 17950 | $372.6M | 6.20% | 3 | 4.76% |
| 5 | Texas Gulf Bank, National Association cert 3206 | $351.7M | 5.85% | 5 | 7.94% |
| 6 | PNC Bank, National Association cert 6384 | $323.5M | 5.38% | 5 | 7.94% |
| 7 | First Liberty Bank cert 3301 | $302.7M | 5.04% | 3 | 4.76% |
| 8 | Frost Bank cert 5510 | $278.3M | 4.63% | 2 | 3.17% |
| 9 | First National Bank of Lake Jackson cert 18895 | $223.4M | 3.72% | 2 | 3.17% |
| 10 | Regions Bank cert 12368 | $218.1M | 3.63% | 3 | 4.76% |
| 11 | Prosperity Bank cert 16835 | $185.9M | 3.09% | 3 | 4.76% |
| 12 | SouthState Bank, National Association cert 33555 | $176.3M | 2.93% | 1 | 1.59% |
| 13 | Texas Advantage Community Bank, National Association cert 58450 | $157.5M | 2.62% | 2 | 3.17% |
| 14 | HomeTown Bank, National Association cert 19603 | $116.4M | 1.94% | 2 | 3.17% |
| 15 | Third Coast Bank cert 58716 | $110.9M | 1.85% | 2 | 3.17% |
| 16 | The First State Bank cert 17588 | $96.5M | 1.61% | 2 | 3.17% |
| 17 | Zions Bancorporation, N.A. cert 2270 | $88.2M | 1.47% | 1 | 1.59% |
| 18 | Capital Bank cert 19401 | $77.3M | 1.29% | 1 | 1.59% |
| 19 | SouthStar Bank, S.S.B. cert 12299 | $59.9M | 1.00% | 1 | 1.59% |
| 20 | Woodforest National Bank cert 23220 | $49.9M | 0.83% | 5 | 7.94% |
| 21 | Capital One, National Association cert 4297 | $48.4M | 0.81% | 1 | 1.59% |
| 22 | Texas First Bank cert 23799 | $46.6M | 0.77% | 1 | 1.59% |
| 23 | The Moody National Bank cert 3210 | $45.9M | 0.76% | 1 | 1.59% |
| 24 | Comerica Bank cert 983 | $20.4M | 0.34% | 1 | 1.59% |
| 25 | First National Bank Texas cert 3285 | $16.6M | 0.28% | 2 | 3.17% |
| 26 | Brazos National Bank cert 24038 | $11.2M | 0.19% | 1 | 1.59% |
| 27 | First Community Bank cert 24353 | $871K | 0.01% | 1 | 1.59% |
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.