County banking markets / TX / 48303
LubbockTexas
FIPS 48303. 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 (740) and unconcentrated on deposits (938).
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
34 branch offices and 14 institutions in 1994; 104 and 27 in 2025. Deposits booked in the county went from $2.40B to $11.83B, 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 | City Bank cert 25103 | $2.15B | 18.19% | 8 | 7.69% |
| 2 | PlainsCapital Bank cert 17491 | $1.73B | 14.65% | 9 | 8.65% |
| 3 | Prosperity Bank cert 16835 | $1.27B | 10.75% | 18 | 17.31% |
| 4 | Amarillo National Bank cert 14531 | $1.12B | 9.48% | 11 | 10.58% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $874.8M | 7.40% | 6 | 5.77% |
| 6 | Peoples Bank cert 19788 | $633.1M | 5.35% | 5 | 4.81% |
| 7 | Bank of America, National Association cert 3510 | $554.4M | 4.69% | 2 | 1.92% |
| 8 | UMB Bank, National Association cert 8273 | $534.2M | 4.52% | 5 | 4.81% |
| 9 | American Bank of Commerce cert 18609 | $478.4M | 4.04% | 4 | 3.85% |
| 10 | First United Bank cert 12769 | $413.3M | 3.49% | 4 | 3.85% |
| 11 | Centennial Bank cert 11241 | $401.3M | 3.39% | 5 | 4.81% |
| 12 | Vista Bank cert 1210 | $312.7M | 2.64% | 4 | 3.85% |
| 13 | Capra Bank cert 16363 | $234.5M | 1.98% | 2 | 1.92% |
| 14 | Western Bank cert 1720 | $228.3M | 1.93% | 3 | 2.88% |
| 15 | JPMorgan Chase Bank, National Association cert 628 | $150.8M | 1.27% | 2 | 1.92% |
| 16 | Maverick Bank cert 17446 | $141.8M | 1.20% | 1 | 0.96% |
| 17 | Victory Bank cert 18677 | $119.1M | 1.01% | 1 | 0.96% |
| 18 | Community National Bank cert 24897 | $84.2M | 0.71% | 1 | 0.96% |
| 19 | First State Bank cert 18301 | $82.5M | 0.70% | 1 | 0.96% |
| 20 | Southwest Bank cert 16652 | $82.0M | 0.69% | 1 | 0.96% |
| 21 | PNC Bank, National Association cert 6384 | $65.6M | 0.55% | 2 | 1.92% |
| 22 | Wellington State Bank cert 1219 | $45.6M | 0.39% | 1 | 0.96% |
| 23 | Citizens State Bank cert 16581 | $31.1M | 0.26% | 1 | 0.96% |
| 24 | American Momentum Bank cert 58309 | $25.7M | 0.22% | 1 | 0.96% |
| 25 | First National Bank Texas cert 3285 | $24.7M | 0.21% | 4 | 3.85% |
| 26 | West Texas National Bank cert 22957 | $20.6M | 0.17% | 1 | 0.96% |
| 27 | West Texas State Bank cert 16866 | $11.2M | 0.09% | 1 | 0.96% |
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.