County banking markets / TX / 48245
JeffersonTexas
FIPS 48245. 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 (862) and moderately concentrated on deposits (2,257).
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
45 branch offices and 12 institutions in 1994; 42 and 16 in 2025. Deposits booked in the county went from $2.77B to $6.05B, 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 | Stellar Bank cert 58629 | $2.61B | 43.19% | 7 | 16.67% |
| 2 | Capital One, National Association cert 4297 | $649.0M | 10.73% | 2 | 4.76% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $590.0M | 9.76% | 4 | 9.52% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $448.9M | 7.42% | 4 | 9.52% |
| 5 | Bank of America, National Association cert 3510 | $404.5M | 6.69% | 1 | 2.38% |
| 6 | PNC Bank, National Association cert 6384 | $319.8M | 5.29% | 5 | 11.90% |
| 7 | First Financial Bank cert 3066 | $316.1M | 5.23% | 2 | 4.76% |
| 8 | Texas First Bank cert 23799 | $187.1M | 3.09% | 3 | 7.14% |
| 9 | Hancock Whitney Bank cert 12441 | $164.6M | 2.72% | 2 | 4.76% |
| 10 | Third Coast Bank cert 58716 | $150.4M | 2.49% | 2 | 4.76% |
| 11 | Prosperity Bank cert 16835 | $70.1M | 1.16% | 3 | 7.14% |
| 12 | First State Bank of Texas cert 11922 | $57.5M | 0.95% | 1 | 2.38% |
| 13 | The First Security Bank cert 4041 | $54.1M | 0.89% | 1 | 2.38% |
| 14 | Woodforest National Bank cert 23220 | $9.1M | 0.15% | 2 | 4.76% |
| 15 | First National Bank Texas cert 3285 | $7.8M | 0.13% | 2 | 4.76% |
| 16 | First Liberty Bank cert 3301 | $7.0M | 0.11% | 1 | 2.38% |
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.