County banking markets / TX / 48183
GreggTexas
FIPS 48183. 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 (659) and moderately concentrated on deposits (1,741).
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
31 branch offices and 19 institutions in 1994; 53 and 23 in 2025. Deposits booked in the county went from $1.34B to $4.54B, 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 Bank and Trust Company cert 17842 | $1.67B | 36.90% | 6 | 11.32% |
| 2 | Austin Bank, Texas National Association cert 3276 | $509.7M | 11.23% | 7 | 13.21% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $379.8M | 8.37% | 2 | 3.77% |
| 4 | VeraBank, National Association cert 3250 | $337.0M | 7.43% | 5 | 9.43% |
| 5 | Origin Bank cert 12614 | $285.5M | 6.29% | 2 | 3.77% |
| 6 | Spring Hill State Bank cert 22526 | $205.0M | 4.52% | 2 | 3.77% |
| 7 | Cadence Bank cert 11813 | $195.1M | 4.30% | 2 | 3.77% |
| 8 | Citizens Bank cert 16817 | $179.0M | 3.94% | 4 | 7.55% |
| 9 | Regions Bank cert 12368 | $153.7M | 3.39% | 3 | 5.66% |
| 10 | Southside Bank cert 18297 | $140.4M | 3.09% | 2 | 3.77% |
| 11 | Texas National Bank of Jacksonville cert 26181 | $114.9M | 2.53% | 1 | 1.89% |
| 12 | PNC Bank, National Association cert 6384 | $64.8M | 1.43% | 2 | 3.77% |
| 13 | Guaranty Bank & Trust, N.A. cert 1208 | $56.6M | 1.25% | 1 | 1.89% |
| 14 | Prosperity Bank cert 16835 | $50.9M | 1.12% | 1 | 1.89% |
| 15 | Community Bank cert 25752 | $28.9M | 0.64% | 2 | 3.77% |
| 16 | Gilmer National Bank, Gilmer, Texas cert 3219 | $26.7M | 0.59% | 1 | 1.89% |
| 17 | Texas Bank cert 21074 | $25.1M | 0.55% | 1 | 1.89% |
| 18 | The First National Bank of East Texas cert 3218 | $23.5M | 0.52% | 1 | 1.89% |
| 19 | The City National Bank of Sulphur Springs cert 5544 | $22.7M | 0.50% | 1 | 1.89% |
| 20 | Texana Bank, National Association cert 3302 | $20.4M | 0.45% | 2 | 3.77% |
| 21 | The First National Bank of Hughes Springs cert 3268 | $19.7M | 0.43% | 1 | 1.89% |
| 22 | First National Bank Texas cert 3285 | $16.1M | 0.35% | 3 | 5.66% |
| 23 | Woodforest National Bank cert 23220 | $8.5M | 0.19% | 1 | 1.89% |
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.