County banking markets / TX / 48171
GillespieTexas
FIPS 48171. 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 (1,073) and moderately concentrated on deposits (2,000).
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
8 branch offices and 5 institutions in 1994; 17 and 13 in 2025. Deposits booked in the county went from $326.5M to $1.65B, 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 | Security State Bank & Trust cert 15809 | $561.8M | 34.12% | 4 | 23.53% |
| 2 | First United Bank and Trust Company cert 4239 | $321.6M | 19.53% | 2 | 11.76% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $301.4M | 18.30% | 1 | 5.88% |
| 4 | Centennial Bank cert 11241 | $93.5M | 5.68% | 1 | 5.88% |
| 5 | Arrowhead Bank cert 1198 | $88.8M | 5.40% | 1 | 5.88% |
| 6 | Broadway National Bank cert 15797 | $87.0M | 5.29% | 1 | 5.88% |
| 7 | Texas Regional Bank cert 26906 | $54.1M | 3.29% | 1 | 5.88% |
| 8 | Guadalupe Bank cert 58768 | $53.1M | 3.23% | 1 | 5.88% |
| 9 | PNC Bank, National Association cert 6384 | $42.9M | 2.60% | 1 | 5.88% |
| 10 | Prosperity Bank cert 16835 | $22.4M | 1.36% | 1 | 5.88% |
| 11 | Texas Partners Bank cert 58581 | $10.5M | 0.64% | 1 | 5.88% |
| 12 | Woodforest National Bank cert 23220 | $6.9M | 0.42% | 1 | 5.88% |
| 13 | Rio Bank cert 25886 | $2.6M | 0.16% | 1 | 5.88% |
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.