County banking markets / TX / 48085
CollinTexas
FIPS 48085. 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 (480) and unconcentrated on deposits (908).
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
61 branch offices and 26 institutions in 1994; 264 and 72 in 2025. Deposits booked in the county went from $2.09B to $40.00B, 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 | JPMorgan Chase Bank, National Association cert 628 | $8.43B | 21.07% | 34 | 12.88% |
| 2 | Bank of America, National Association cert 3510 | $5.61B | 14.03% | 21 | 7.95% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $3.95B | 9.87% | 23 | 8.71% |
| 4 | Prosperity Bank cert 16835 | $3.09B | 7.72% | 16 | 6.06% |
| 5 | SouthState Bank, National Association cert 33555 | $2.45B | 6.14% | 11 | 4.17% |
| 6 | Monet Bank cert 32574 | $2.05B | 5.13% | 1 | 0.38% |
| 7 | PNC Bank, National Association cert 6384 | $1.35B | 3.37% | 14 | 5.30% |
| 8 | The American National Bank of Texas cert 23474 | $810.4M | 2.03% | 4 | 1.52% |
| 9 | Texas Capital Bank cert 34383 | $778.9M | 1.95% | 1 | 0.38% |
| 10 | Truist Bank cert 9846 | $730.6M | 1.83% | 8 | 3.03% |
| 11 | Veritex Community Bank cert 57665 | $695.5M | 1.74% | 3 | 1.14% |
| 12 | Capital One, National Association cert 4297 | $661.7M | 1.65% | 3 | 1.14% |
| 13 | First United Bank and Trust Company cert 4239 | $604.3M | 1.51% | 5 | 1.89% |
| 14 | Bank OZK cert 110 | $588.7M | 1.47% | 4 | 1.52% |
| 15 | Frost Bank cert 5510 | $499.8M | 1.25% | 11 | 4.17% |
| 16 | North Dallas Bank & Trust Co. cert 18355 | $429.9M | 1.07% | 2 | 0.76% |
| 17 | BOKF, National Association cert 4214 | $426.2M | 1.07% | 4 | 1.52% |
| 18 | Comerica Bank cert 983 | $415.8M | 1.04% | 9 | 3.41% |
| 19 | b1BANK cert 58228 | $413.8M | 1.03% | 3 | 1.14% |
| 20 | Origin Bank cert 12614 | $349.6M | 0.87% | 2 | 0.76% |
| 21 | East West Bank cert 31628 | $347.2M | 0.87% | 1 | 0.38% |
| 22 | Inwood National Bank cert 19080 | $306.4M | 0.77% | 1 | 0.38% |
| 23 | PlainsCapital Bank cert 17491 | $302.6M | 0.76% | 4 | 1.52% |
| 24 | Dominion Bank cert 11934 | $298.2M | 0.75% | 1 | 0.38% |
| 25 | First National Bank of Omaha cert 5452 | $281.4M | 0.70% | 3 | 1.14% |
| 26 | Texas Bank cert 21074 | $276.1M | 0.69% | 3 | 1.14% |
| 27 | Farmers Bank & Trust Company cert 1291 | $270.8M | 0.68% | 1 | 0.38% |
| 28 | Benchmark Bank cert 19215 | $260.0M | 0.65% | 1 | 0.38% |
| 29 | Texas Republic Bank, National Association cert 3400 | $253.0M | 0.63% | 3 | 1.14% |
| 30 | Cadence Bank cert 11813 | $246.9M | 0.62% | 4 | 1.52% |
| 31 | Cathay Bank cert 18503 | $211.3M | 0.53% | 1 | 0.38% |
| 32 | Texas Bank and Trust Company cert 17842 | $205.0M | 0.51% | 1 | 0.38% |
| 33 | Hancock Whitney Bank cert 12441 | $187.2M | 0.47% | 1 | 0.38% |
| 34 | American First National Bank cert 34656 | $173.0M | 0.43% | 2 | 0.76% |
| 35 | Southwestern National Bank cert 34319 | $148.0M | 0.37% | 1 | 0.38% |
| 36 | Regions Bank cert 12368 | $114.4M | 0.29% | 2 | 0.76% |
| 37 | Legacy Bank & Trust Company cert 22319 | $112.3M | 0.28% | 2 | 0.76% |
| 38 | Commercial Bank of Texas, National Association cert 1209 | $111.9M | 0.28% | 3 | 1.14% |
| 39 | Lamar National Bank cert 23597 | $99.0M | 0.25% | 3 | 1.14% |
| 40 | American Bank, National Association cert 21567 | $98.8M | 0.25% | 1 | 0.38% |
| 41 | Peoples Bank cert 19788 | $95.2M | 0.24% | 1 | 0.38% |
| 42 | Golden Bank, National Association cert 26223 | $94.8M | 0.24% | 1 | 0.38% |
| 43 | City Bank cert 25103 | $79.3M | 0.20% | 1 | 0.38% |
| 44 | Third Coast Bank cert 58716 | $73.8M | 0.18% | 1 | 0.38% |
| 45 | Valliance Bank cert 57841 | $71.4M | 0.18% | 1 | 0.38% |
| 46 | ENCORE BANK cert 34562 | $64.2M | 0.16% | 1 | 0.38% |
| 47 | Centennial Bank cert 11241 | $61.8M | 0.15% | 1 | 0.38% |
| 48 | Washington Federal Bank cert 28088 | $58.5M | 0.15% | 2 | 0.76% |
| 49 | Simmons Bank cert 3890 | $56.0M | 0.14% | 1 | 0.38% |
| 50 | Woodforest National Bank cert 23220 | $53.1M | 0.13% | 11 | 4.17% |
| 51 | Great Plains National Bank cert 34207 | $52.8M | 0.13% | 1 | 0.38% |
| 52 | Zions Bancorporation, N.A. cert 2270 | $52.4M | 0.13% | 1 | 0.38% |
| 53 | Liberty National Bank cert 11522 | $49.9M | 0.12% | 1 | 0.38% |
| 54 | Sunflower Bank, National Association cert 4767 | $47.1M | 0.12% | 1 | 0.38% |
| 55 | UMB Bank, National Association cert 8273 | $46.5M | 0.12% | 1 | 0.38% |
| 56 | Bank 7 cert 4147 | $45.4M | 0.11% | 1 | 0.38% |
| 57 | First-Citizens Bank & Trust Company cert 11063 | $45.0M | 0.11% | 1 | 0.38% |
| 58 | Busey Bank cert 16450 | $44.1M | 0.11% | 1 | 0.38% |
| 59 | UBank cert 18344 | $38.9M | 0.10% | 1 | 0.38% |
| 60 | Susser Bank cert 34885 | $36.5M | 0.09% | 1 | 0.38% |
| 61 | First National Bank Texas cert 3285 | $27.0M | 0.07% | 4 | 1.52% |
| 62 | First Liberty Bank cert 14029 | $26.9M | 0.07% | 1 | 0.38% |
| 63 | First Horizon Bank cert 4977 | $26.7M | 0.07% | 1 | 0.38% |
| 64 | Community National Bank & Trust of Texas cert 18185 | $25.4M | 0.06% | 1 | 0.38% |
| 65 | First State Bank cert 15511 | $20.3M | 0.05% | 1 | 0.38% |
| 66 | First Guaranty Bank cert 14028 | $16.9M | 0.04% | 1 | 0.38% |
| 67 | Alliance Bank cert 11569 | $12.7M | 0.03% | 1 | 0.38% |
| 68 | American Bank of Commerce cert 18609 | $12.4M | 0.03% | 1 | 0.38% |
| 69 | First State Bank cert 18301 | $11.6M | 0.03% | 1 | 0.38% |
| 70 | First Foundation Bank cert 58647 | $11.3M | 0.03% | 1 | 0.38% |
| 71 | Southside Bank cert 18297 | $4.6M | 0.01% | 1 | 0.38% |
| 72 | The Bankers Bank cert 26677 | $0K | 0.00% | 1 | 0.38% |
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.