County banking markets / TX / 48299
LlanoTexas
FIPS 48299. 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 (1,289) and moderately concentrated on deposits (1,562).
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
10 branch offices and 6 institutions in 1994; 15 and 9 in 2025. Deposits booked in the county went from $265.6M to $932.2M, 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 | Llano National Bank cert 24305 | $205.8M | 22.08% | 3 | 20.00% |
| 2 | First United Bank and Trust Company cert 4239 | $193.5M | 20.75% | 2 | 13.33% |
| 3 | Cadence Bank cert 11813 | $144.0M | 15.44% | 2 | 13.33% |
| 4 | Prosperity Bank cert 16835 | $137.5M | 14.75% | 2 | 13.33% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $82.2M | 8.82% | 1 | 6.67% |
| 6 | Arrowhead Bank cert 1198 | $79.5M | 8.53% | 2 | 13.33% |
| 7 | Security State Bank & Trust cert 15809 | $48.4M | 5.19% | 1 | 6.67% |
| 8 | Bank of the West cert 26627 | $26.7M | 2.87% | 1 | 6.67% |
| 9 | ValueBank Texas cert 19700 | $14.7M | 1.57% | 1 | 6.67% |
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.