County banking markets / TX / 48215
HidalgoTexas
FIPS 48215. 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 (915) and unconcentrated on deposits (945).
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
68 branch offices and 26 institutions in 1994; 150 and 20 in 2025. Deposits booked in the county went from $2.97B to $15.37B, 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 | International Bank of Commerce cert 25679 | $2.41B | 15.66% | 29 | 19.33% |
| 2 | Lone Star National Bank cert 24347 | $2.26B | 14.67% | 21 | 14.00% |
| 3 | Vantage Bank Texas cert 3405 | $1.68B | 10.91% | 10 | 6.67% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $1.35B | 8.78% | 7 | 4.67% |
| 5 | PNC Bank, National Association cert 6384 | $1.33B | 8.66% | 13 | 8.67% |
| 6 | Bank of America, National Association cert 3510 | $1.13B | 7.34% | 6 | 4.00% |
| 7 | Frost Bank cert 5510 | $901.3M | 5.87% | 4 | 2.67% |
| 8 | Wells Fargo Bank, National Association cert 3511 | $868.8M | 5.65% | 7 | 4.67% |
| 9 | PlainsCapital Bank cert 17491 | $799.1M | 5.20% | 7 | 4.67% |
| 10 | Texas National Bank cert 3337 | $774.7M | 5.04% | 9 | 6.00% |
| 11 | Texas Regional Bank cert 26906 | $752.9M | 4.90% | 7 | 4.67% |
| 12 | Rio Bank cert 25886 | $584.3M | 3.80% | 11 | 7.33% |
| 13 | Freedom Bank cert 17881 | $158.3M | 1.03% | 3 | 2.00% |
| 14 | Greater State Bank cert 31762 | $124.2M | 0.81% | 3 | 2.00% |
| 15 | Bank of South Texas cert 26727 | $79.0M | 0.51% | 4 | 2.67% |
| 16 | Falcon International Bank cert 26856 | $68.2M | 0.44% | 2 | 1.33% |
| 17 | First Community Bank cert 22964 | $53.5M | 0.35% | 1 | 0.67% |
| 18 | First National Bank Texas cert 3285 | $30.4M | 0.20% | 4 | 2.67% |
| 19 | Texas Community Bank cert 24563 | $28.0M | 0.18% | 1 | 0.67% |
| 20 | International Bank of Commerce cert 19629 | $0K | 0.00% | 1 | 0.67% |
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.