County banking markets / TX / 48181
GraysonTexas
FIPS 48181. 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 (940) and moderately concentrated on deposits (2,019).
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
28 branch offices and 13 institutions in 1994; 39 and 17 in 2025. Deposits booked in the county went from $1.05B to $3.95B, 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 | First United Bank and Trust Company cert 4239 | $1.44B | 36.42% | 7 | 17.95% |
| 2 | SouthState Bank, National Association cert 33555 | $731.1M | 18.49% | 5 | 12.82% |
| 3 | Simmons Bank cert 3890 | $578.3M | 14.62% | 5 | 12.82% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $326.2M | 8.25% | 1 | 2.56% |
| 5 | First State Bank cert 15511 | $184.7M | 4.67% | 3 | 7.69% |
| 6 | Cadence Bank cert 11813 | $164.0M | 4.15% | 3 | 7.69% |
| 7 | Cendera Bank, National Association cert 3098 | $143.0M | 3.62% | 1 | 2.56% |
| 8 | Legend Bank, N.A. cert 3108 | $124.2M | 3.14% | 3 | 7.69% |
| 9 | Texas Bank cert 21074 | $56.2M | 1.42% | 1 | 2.56% |
| 10 | BOKF, National Association cert 4214 | $50.8M | 1.28% | 1 | 2.56% |
| 11 | The First National Bank of Tom Bean cert 5557 | $46.6M | 1.18% | 1 | 2.56% |
| 12 | Ameristate Bank cert 15510 | $42.5M | 1.08% | 2 | 5.13% |
| 13 | First Texoma National Bank cert 13905 | $24.3M | 0.61% | 1 | 2.56% |
| 14 | Great Plains National Bank cert 34207 | $11.8M | 0.30% | 1 | 2.56% |
| 15 | Woodforest National Bank cert 23220 | $11.2M | 0.28% | 2 | 5.13% |
| 16 | First National Bank Texas cert 3285 | $10.1M | 0.26% | 1 | 2.56% |
| 17 | First Texas National Bank cert 3197 | $9.3M | 0.23% | 1 | 2.56% |
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.