County banking markets / TX / 48121
DentonTexas
FIPS 48121. 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 (555) and highly concentrated on deposits (6,769).
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
50 branch offices and 23 institutions in 1994; 162 and 44 in 2025. Deposits booked in the county went from $1.47B to $256.43B, 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 | Charles Schwab Bank, SSB cert 57450 | $209.55B | 81.72% | 1 | 0.62% |
| 2 | Charles Schwab Premier Bank, SSB cert 33497 | $22.18B | 8.65% | 1 | 0.62% |
| 3 | Charles Schwab Trust Bank cert 59108 | $8.86B | 3.45% | 1 | 0.62% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $4.13B | 1.61% | 20 | 12.35% |
| 5 | Bank of America, National Association cert 3510 | $2.48B | 0.97% | 12 | 7.41% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $2.11B | 0.82% | 16 | 9.88% |
| 7 | SouthState Bank, National Association cert 33555 | $1.03B | 0.40% | 11 | 6.79% |
| 8 | PNC Bank, National Association cert 6384 | $963.3M | 0.38% | 12 | 7.41% |
| 9 | Pointbank cert 3389 | $862.9M | 0.34% | 9 | 5.56% |
| 10 | First United Bank and Trust Company cert 4239 | $560.9M | 0.22% | 5 | 3.09% |
| 11 | Bank OZK cert 110 | $325.6M | 0.13% | 5 | 3.09% |
| 12 | Prosperity Bank cert 16835 | $278.8M | 0.11% | 5 | 3.09% |
| 13 | Texas Regional Bank cert 26906 | $273.6M | 0.11% | 3 | 1.85% |
| 14 | Ciera Bank cert 3226 | $256.7M | 0.10% | 3 | 1.85% |
| 15 | American National Bank & Trust cert 22373 | $249.7M | 0.10% | 3 | 1.85% |
| 16 | First State Bank cert 15511 | $217.8M | 0.08% | 3 | 1.85% |
| 17 | First Financial Bank cert 3066 | $201.6M | 0.08% | 1 | 0.62% |
| 18 | Guaranty Bank & Trust, N.A. cert 1208 | $188.8M | 0.07% | 2 | 1.23% |
| 19 | Frost Bank cert 5510 | $186.8M | 0.07% | 6 | 3.70% |
| 20 | Bank of the West cert 26627 | $184.8M | 0.07% | 3 | 1.85% |
| 21 | Sanger Bank cert 27043 | $122.0M | 0.05% | 1 | 0.62% |
| 22 | Vista Bank cert 1210 | $116.7M | 0.05% | 1 | 0.62% |
| 23 | Inwood National Bank cert 19080 | $109.1M | 0.04% | 1 | 0.62% |
| 24 | First National Bank of Omaha cert 5452 | $93.0M | 0.04% | 1 | 0.62% |
| 25 | Truist Bank cert 9846 | $87.2M | 0.03% | 5 | 3.09% |
| 26 | First National Bank Texas cert 3285 | $79.6M | 0.03% | 9 | 5.56% |
| 27 | Worthington Bank cert 57414 | $79.0M | 0.03% | 1 | 0.62% |
| 28 | First Guaranty Bank cert 14028 | $73.5M | 0.03% | 1 | 0.62% |
| 29 | Texas Bank and Trust Company cert 17842 | $69.6M | 0.03% | 1 | 0.62% |
| 30 | Woori America Bank cert 24920 | $63.6M | 0.02% | 1 | 0.62% |
| 31 | Lamar National Bank cert 23597 | $61.3M | 0.02% | 1 | 0.62% |
| 32 | Texas Republic Bank, National Association cert 3400 | $56.4M | 0.02% | 1 | 0.62% |
| 33 | Commonwealth Business Bank cert 57873 | $50.0M | 0.02% | 1 | 0.62% |
| 34 | Comerica Bank cert 983 | $46.8M | 0.02% | 2 | 1.23% |
| 35 | Colonial Savings, F.A. cert 31361 | $42.2M | 0.02% | 1 | 0.62% |
| 36 | First Bank cert 3121 | $35.6M | 0.01% | 1 | 0.62% |
| 37 | UMB Bank, National Association cert 8273 | $34.0M | 0.01% | 1 | 0.62% |
| 38 | Commercial Bank of Texas, National Association cert 1209 | $25.3M | 0.01% | 1 | 0.62% |
| 39 | Community National Bank cert 24897 | $25.2M | 0.01% | 1 | 0.62% |
| 40 | Regions Bank cert 12368 | $21.1M | 0.01% | 1 | 0.62% |
| 41 | Woodforest National Bank cert 23220 | $17.9M | 0.01% | 4 | 2.47% |
| 42 | PlainsCapital Bank cert 17491 | $16.4M | 0.01% | 1 | 0.62% |
| 43 | One World Bank cert 57901 | $12.4M | 0.00% | 1 | 0.62% |
| 44 | The American National Bank of Texas cert 23474 | $3.8M | 0.00% | 1 | 0.62% |
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.