County banking markets / TX / 48441
TaylorTexas
FIPS 48441. 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 moderately concentrated on branches (1,870) and highly concentrated on deposits (4,080).
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
31 branch offices and 11 institutions in 1994; 38 and 16 in 2025. Deposits booked in the county went from $1.13B to $4.53B, 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 Financial Bank cert 3066 | $2.83B | 62.49% | 14 | 36.84% |
| 2 | Bank of America, National Association cert 3510 | $340.7M | 7.52% | 1 | 2.63% |
| 3 | Prosperity Bank cert 16835 | $330.9M | 7.31% | 7 | 18.42% |
| 4 | Clear Fork Bank, National Association cert 3067 | $214.6M | 4.74% | 1 | 2.63% |
| 5 | First National Bank and Trust Company of Weatherford cert 5575 | $189.2M | 4.18% | 3 | 7.89% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $161.9M | 3.58% | 1 | 2.63% |
| 7 | Coleman County State Bank cert 15480 | $89.1M | 1.97% | 2 | 5.26% |
| 8 | Citizens Bank, National Association cert 12309 | $73.0M | 1.61% | 1 | 2.63% |
| 9 | UMB Bank, National Association cert 8273 | $60.4M | 1.33% | 1 | 2.63% |
| 10 | Western Bank cert 1720 | $57.6M | 1.27% | 1 | 2.63% |
| 11 | Centennial Bank cert 11241 | $42.1M | 0.93% | 1 | 2.63% |
| 12 | Texas National Bank cert 34014 | $40.6M | 0.90% | 1 | 2.63% |
| 13 | PNC Bank, National Association cert 6384 | $33.9M | 0.75% | 1 | 2.63% |
| 14 | Haskell National Bank cert 14399 | $26.8M | 0.59% | 1 | 2.63% |
| 15 | Avana Bank cert 10704 | $23.6M | 0.52% | 1 | 2.63% |
| 16 | Victory Bank cert 18677 | $14.2M | 0.31% | 1 | 2.63% |
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.