County banking markets / TX / 48309
McLennanTexas
FIPS 48309. 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 (537) and unconcentrated on deposits (788).
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
35 branch offices and 21 institutions in 1994; 63 and 24 in 2025. Deposits booked in the county went from $1.90B to $7.83B, 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 | First National Bank of Central Texas cert 3325 | $1.15B | 14.74% | 4 | 6.35% |
| 2 | The First National Bank of McGregor cert 3330 | $876.8M | 11.19% | 6 | 9.52% |
| 3 | Extraco Banks, National Association cert 5551 | $694.6M | 8.87% | 3 | 4.76% |
| 4 | Central National Bank cert 22396 | $669.2M | 8.54% | 2 | 3.17% |
| 5 | Alliance Bank Central Texas cert 15657 | $659.8M | 8.42% | 3 | 4.76% |
| 6 | Community Bank & Trust, Waco, Texas cert 17108 | $556.9M | 7.11% | 4 | 6.35% |
| 7 | American Bank, National Association cert 23886 | $550.4M | 7.03% | 4 | 6.35% |
| 8 | Bank of America, National Association cert 3510 | $485.0M | 6.19% | 2 | 3.17% |
| 9 | Wells Fargo Bank, National Association cert 3511 | $373.1M | 4.76% | 3 | 4.76% |
| 10 | JPMorgan Chase Bank, National Association cert 628 | $357.6M | 4.56% | 3 | 4.76% |
| 11 | SouthState Bank, National Association cert 33555 | $290.7M | 3.71% | 2 | 3.17% |
| 12 | Cadence Bank cert 11813 | $240.0M | 3.06% | 4 | 6.35% |
| 13 | PNC Bank, National Association cert 6384 | $227.8M | 2.91% | 3 | 4.76% |
| 14 | Citizens State Bank cert 12501 | $125.4M | 1.60% | 1 | 1.59% |
| 15 | POINTWEST BANK cert 13600 | $118.3M | 1.51% | 4 | 6.35% |
| 16 | Fidelity Bank of Texas cert 21455 | $107.3M | 1.37% | 2 | 3.17% |
| 17 | First Guaranty Bank cert 14028 | $72.6M | 0.93% | 1 | 1.59% |
| 18 | Security Bank of Texas cert 15731 | $72.2M | 0.92% | 1 | 1.59% |
| 19 | The First National Bank of Moody cert 3351 | $40.7M | 0.52% | 1 | 1.59% |
| 20 | Sunflower Bank, National Association cert 4767 | $37.8M | 0.48% | 1 | 1.59% |
| 21 | First State Bank cert 15511 | $37.2M | 0.47% | 1 | 1.59% |
| 22 | First National Bank of Bosque County cert 5564 | $33.1M | 0.42% | 1 | 1.59% |
| 23 | Incommons Bank, N.A. cert 3342 | $26.9M | 0.34% | 2 | 3.17% |
| 24 | First National Bank Texas cert 3285 | $26.0M | 0.33% | 5 | 7.94% |
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.