County banking markets / TX / 48167
GalvestonTexas
FIPS 48167. 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 (874) and unconcentrated on deposits (1,062).
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
52 branch offices and 23 institutions in 1994; 68 and 20 in 2025. Deposits booked in the county went from $1.90B to $6.89B, 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 | Texas First Bank cert 23799 | $1.14B | 16.57% | 13 | 19.12% |
| 2 | The Moody National Bank cert 3210 | $1.04B | 15.13% | 6 | 8.82% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $1.01B | 14.68% | 5 | 7.35% |
| 4 | HomeTown Bank, National Association cert 19603 | $732.3M | 10.63% | 5 | 7.35% |
| 5 | Bank of America, National Association cert 3510 | $555.0M | 8.06% | 3 | 4.41% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $509.0M | 7.39% | 4 | 5.88% |
| 7 | Zions Bancorporation, N.A. cert 2270 | $482.1M | 7.00% | 7 | 10.29% |
| 8 | Frost Bank cert 5510 | $343.5M | 4.99% | 5 | 7.35% |
| 9 | PNC Bank, National Association cert 6384 | $322.9M | 4.69% | 5 | 7.35% |
| 10 | Prosperity Bank cert 16835 | $140.0M | 2.03% | 2 | 2.94% |
| 11 | Regions Bank cert 12368 | $123.5M | 1.79% | 2 | 2.94% |
| 12 | Home Bank, National Association cert 28094 | $105.9M | 1.54% | 1 | 1.47% |
| 13 | Veritex Community Bank cert 57665 | $103.3M | 1.50% | 1 | 1.47% |
| 14 | Investar Bank, National Association cert 58316 | $85.5M | 1.24% | 1 | 1.47% |
| 15 | Cadence Bank cert 11813 | $65.0M | 0.94% | 1 | 1.47% |
| 16 | Texas Gulf Bank, National Association cert 3206 | $52.0M | 0.76% | 1 | 1.47% |
| 17 | Comerica Bank cert 983 | $33.6M | 0.49% | 1 | 1.47% |
| 18 | Woodforest National Bank cert 23220 | $26.4M | 0.38% | 3 | 4.41% |
| 19 | Bank OZK cert 110 | $7.3M | 0.11% | 1 | 1.47% |
| 20 | First National Bank Texas cert 3285 | $7.3M | 0.11% | 1 | 1.47% |
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.