County banking markets / TX / 48339
MontgomeryTexas
FIPS 48339. 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 (818) and unconcentrated on deposits (1,312).
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
38 branch offices and 20 institutions in 1994; 159 and 37 in 2025. Deposits booked in the county went from $1.18B to $17.76B, 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 | Woodforest National Bank cert 23220 | $4.31B | 24.26% | 32 | 20.13% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $3.46B | 19.47% | 17 | 10.69% |
| 3 | Bank of America, National Association cert 3510 | $1.98B | 11.17% | 9 | 5.66% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $1.71B | 9.61% | 13 | 8.18% |
| 5 | Zions Bancorporation, N.A. cert 2270 | $1.22B | 6.85% | 9 | 5.66% |
| 6 | PNC Bank, National Association cert 6384 | $973.4M | 5.48% | 11 | 6.92% |
| 7 | First Financial Bank cert 3066 | $961.5M | 5.41% | 8 | 5.03% |
| 8 | Frost Bank cert 5510 | $395.2M | 2.22% | 3 | 1.89% |
| 9 | Simmons Bank cert 3890 | $391.9M | 2.21% | 5 | 3.14% |
| 10 | Prosperity Bank cert 16835 | $267.3M | 1.50% | 5 | 3.14% |
| 11 | SouthState Bank, National Association cert 33555 | $211.0M | 1.19% | 1 | 0.63% |
| 12 | Regions Bank cert 12368 | $204.3M | 1.15% | 6 | 3.77% |
| 13 | First National Bank Texas cert 3285 | $190.1M | 1.07% | 10 | 6.29% |
| 14 | Citizens State Bank cert 12303 | $152.5M | 0.86% | 1 | 0.63% |
| 15 | Origin Bank cert 12614 | $146.6M | 0.83% | 1 | 0.63% |
| 16 | Stellar Bank cert 58629 | $145.3M | 0.82% | 2 | 1.26% |
| 17 | Capital One, National Association cert 4297 | $129.0M | 0.73% | 1 | 0.63% |
| 18 | VeraBank, National Association cert 3250 | $111.0M | 0.62% | 1 | 0.63% |
| 19 | Southside Bank cert 18297 | $99.5M | 0.56% | 1 | 0.63% |
| 20 | Comerica Bank cert 983 | $98.7M | 0.56% | 2 | 1.26% |
| 21 | Veritex Community Bank cert 57665 | $98.5M | 0.55% | 1 | 0.63% |
| 22 | Cadence Bank cert 11813 | $76.3M | 0.43% | 1 | 0.63% |
| 23 | Guaranty Bank & Trust, N.A. cert 1208 | $66.4M | 0.37% | 1 | 0.63% |
| 24 | Truist Bank cert 9846 | $55.8M | 0.31% | 2 | 1.26% |
| 25 | Texas First Bank cert 23799 | $53.5M | 0.30% | 2 | 1.26% |
| 26 | Third Coast Bank cert 58716 | $52.8M | 0.30% | 2 | 1.26% |
| 27 | Hancock Whitney Bank cert 12441 | $52.7M | 0.30% | 1 | 0.63% |
| 28 | Austin Bank, Texas National Association cert 3276 | $36.5M | 0.21% | 1 | 0.63% |
| 29 | First State Bank of Texas cert 11922 | $25.1M | 0.14% | 1 | 0.63% |
| 30 | Plains State Bank cert 17739 | $22.8M | 0.13% | 2 | 1.26% |
| 31 | PlainsCapital Bank cert 17491 | $21.0M | 0.12% | 1 | 0.63% |
| 32 | Sunflower Bank, National Association cert 4767 | $16.9M | 0.10% | 1 | 0.63% |
| 33 | Citizens Bank cert 16817 | $10.7M | 0.06% | 1 | 0.63% |
| 34 | BOM Bank cert 1373 | $10.0M | 0.06% | 1 | 0.63% |
| 35 | Investar Bank, National Association cert 58316 | $8.9M | 0.05% | 1 | 0.63% |
| 36 | BOKF, National Association cert 4214 | $1.9M | 0.01% | 1 | 0.63% |
| 37 | Trustmark National Bank cert 4988 | $0K | 0.00% | 1 | 0.63% |
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.