County banking markets / TX / 48041
BrazosTexas
FIPS 48041. 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 (676) and unconcentrated on deposits (1,030).
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
24 branch offices and 11 institutions in 1994; 62 and 24 in 2025. Deposits booked in the county went from $1.05B to $7.56B, 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 | Truist Bank cert 9846 | $1.18B | 15.57% | 4 | 6.45% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $1.14B | 15.12% | 5 | 8.06% |
| 3 | Prosperity Bank cert 16835 | $979.8M | 12.96% | 10 | 16.13% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $851.1M | 11.26% | 3 | 4.84% |
| 5 | First Financial Bank cert 3066 | $820.2M | 10.85% | 5 | 8.06% |
| 6 | American Momentum Bank cert 58309 | $636.9M | 8.43% | 3 | 4.84% |
| 7 | Bank of America, National Association cert 3510 | $428.9M | 5.68% | 2 | 3.23% |
| 8 | Amarillo National Bank cert 14531 | $271.5M | 3.59% | 3 | 4.84% |
| 9 | Guaranty Bank & Trust, N.A. cert 1208 | $240.7M | 3.18% | 3 | 4.84% |
| 10 | PNC Bank, National Association cert 6384 | $186.8M | 2.47% | 2 | 3.23% |
| 11 | VeraBank, National Association cert 3250 | $158.3M | 2.10% | 2 | 3.23% |
| 12 | Simmons Bank cert 3890 | $144.8M | 1.92% | 1 | 1.61% |
| 13 | Frost Bank cert 5510 | $105.2M | 1.39% | 2 | 3.23% |
| 14 | The Brenham National Bank cert 3113 | $71.8M | 0.95% | 2 | 3.23% |
| 15 | First State Bank of Bedias cert 16895 | $67.1M | 0.89% | 1 | 1.61% |
| 16 | Extraco Banks, National Association cert 5551 | $61.8M | 0.82% | 2 | 3.23% |
| 17 | City Bank cert 25103 | $54.5M | 0.72% | 1 | 1.61% |
| 18 | Bank of Brenham, National Association cert 57102 | $52.5M | 0.69% | 1 | 1.61% |
| 19 | First National Bank Texas cert 3285 | $44.8M | 0.59% | 5 | 8.06% |
| 20 | First National Bank of Central Texas cert 3325 | $18.1M | 0.24% | 1 | 1.61% |
| 21 | First National Bank of Huntsville cert 3269 | $14.0M | 0.18% | 1 | 1.61% |
| 22 | Citizens Bank cert 16817 | $12.9M | 0.17% | 1 | 1.61% |
| 23 | Pinnacle Bank cert 20231 | $12.7M | 0.17% | 1 | 1.61% |
| 24 | Hancock Whitney Bank cert 12441 | $4.1M | 0.05% | 1 | 1.61% |
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.