County banking markets / TX / 48251
JohnsonTexas
FIPS 48251. 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 (895) and unconcentrated on deposits (1,218).
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
25 branch offices and 12 institutions in 1994; 36 and 18 in 2025. Deposits booked in the county went from $731.4M to $3.25B, 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 Financial Bank cert 3066 | $570.3M | 17.55% | 5 | 13.89% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $548.8M | 16.89% | 4 | 11.11% |
| 3 | Grandview Bank cert 3230 | $522.1M | 16.07% | 4 | 11.11% |
| 4 | Pinnacle Bank cert 20231 | $482.8M | 14.86% | 6 | 16.67% |
| 5 | First National Bank of Burleson cert 23430 | $233.9M | 7.20% | 2 | 5.56% |
| 6 | SouthState Bank, National Association cert 33555 | $213.1M | 6.56% | 2 | 5.56% |
| 7 | JPMorgan Chase Bank, National Association cert 628 | $139.6M | 4.30% | 1 | 2.78% |
| 8 | NBT Financial Bank cert 21329 | $94.7M | 2.92% | 1 | 2.78% |
| 9 | The American National Bank of Texas cert 23474 | $93.6M | 2.88% | 1 | 2.78% |
| 10 | Citizens National Bank of Texas cert 5574 | $68.0M | 2.09% | 2 | 5.56% |
| 11 | Simmons Bank cert 3890 | $56.7M | 1.74% | 1 | 2.78% |
| 12 | Austin County State Bank cert 58484 | $48.4M | 1.49% | 1 | 2.78% |
| 13 | Ciera Bank cert 3226 | $48.1M | 1.48% | 1 | 2.78% |
| 14 | PNC Bank, National Association cert 6384 | $39.4M | 1.21% | 1 | 2.78% |
| 15 | The First National Bank of Granbury cert 3228 | $39.0M | 1.20% | 1 | 2.78% |
| 16 | Southside Bank cert 18297 | $36.2M | 1.11% | 1 | 2.78% |
| 17 | First National Bank Texas cert 3285 | $7.4M | 0.23% | 1 | 2.78% |
| 18 | Woodforest National Bank cert 23220 | $7.3M | 0.22% | 1 | 2.78% |
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.