County banking markets / TX / 48423
SmithTexas
FIPS 48423. 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 (942) and moderately concentrated on deposits (1,859).
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
39 branch offices and 19 institutions in 1994; 87 and 27 in 2025. Deposits booked in the county went from $1.84B to $9.24B, 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 | Southside Bank cert 18297 | $3.63B | 39.29% | 21 | 24.14% |
| 2 | Bank of America, National Association cert 3510 | $830.2M | 8.98% | 2 | 2.30% |
| 3 | Austin Bank, Texas National Association cert 3276 | $626.7M | 6.78% | 10 | 11.49% |
| 4 | Texas Bank and Trust Company cert 17842 | $618.2M | 6.69% | 5 | 5.75% |
| 5 | American State Bank cert 9967 | $545.2M | 5.90% | 5 | 5.75% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $537.5M | 5.81% | 4 | 4.60% |
| 7 | Capital One, National Association cert 4297 | $474.3M | 5.13% | 1 | 1.15% |
| 8 | Texas National Bank of Jacksonville cert 26181 | $335.0M | 3.62% | 4 | 4.60% |
| 9 | VeraBank, National Association cert 3250 | $259.7M | 2.81% | 3 | 3.45% |
| 10 | Citizens 1st Bank cert 1715 | $258.1M | 2.79% | 1 | 1.15% |
| 11 | Origin Bank cert 12614 | $248.7M | 2.69% | 2 | 2.30% |
| 12 | Regions Bank cert 12368 | $234.9M | 2.54% | 5 | 5.75% |
| 13 | Cadence Bank cert 11813 | $142.2M | 1.54% | 2 | 2.30% |
| 14 | UBank cert 18344 | $125.2M | 1.35% | 2 | 2.30% |
| 15 | Prosperity Bank cert 16835 | $86.5M | 0.94% | 3 | 3.45% |
| 16 | PNC Bank, National Association cert 6384 | $65.1M | 0.70% | 1 | 1.15% |
| 17 | Simmons Bank cert 3890 | $58.6M | 0.63% | 1 | 1.15% |
| 18 | Texas Bank cert 21074 | $34.4M | 0.37% | 1 | 1.15% |
| 19 | Broadstreet Bank S S B cert 28868 | $30.3M | 0.33% | 2 | 2.30% |
| 20 | Hancock Whitney Bank cert 12441 | $20.7M | 0.22% | 1 | 1.15% |
| 21 | Cendera Bank, National Association cert 3098 | $18.2M | 0.20% | 1 | 1.15% |
| 22 | First National Bank Texas cert 3285 | $15.1M | 0.16% | 3 | 3.45% |
| 23 | The First National Bank of Winnsboro cert 5590 | $14.6M | 0.16% | 1 | 1.15% |
| 24 | Shelby Savings Bank, SSB cert 32135 | $11.9M | 0.13% | 1 | 1.15% |
| 25 | The First National Bank of Hughes Springs cert 3268 | $9.1M | 0.10% | 2 | 2.30% |
| 26 | Woodforest National Bank cert 23220 | $8.1M | 0.09% | 2 | 2.30% |
| 27 | Cross Keys Bank cert 9322 | $2.8M | 0.03% | 1 | 1.15% |
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.