County banking markets / TX / 48451
Tom GreenTexas
FIPS 48451. 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 (797) and moderately concentrated on deposits (1,597).
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
18 branch offices and 10 institutions in 1994; 29 and 16 in 2025. Deposits booked in the county went from $889.9M to $3.20B, 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 | $1.03B | 32.18% | 3 | 10.34% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $447.1M | 13.98% | 3 | 10.34% |
| 3 | Texas State Bank cert 18698 | $337.7M | 10.56% | 4 | 13.79% |
| 4 | The First National Bank of Sonora cert 5531 | $297.7M | 9.31% | 2 | 6.90% |
| 5 | The First National Bank of Mertzon cert 3339 | $278.2M | 8.70% | 2 | 6.90% |
| 6 | Pinnacle Bank cert 20231 | $199.1M | 6.23% | 3 | 10.34% |
| 7 | The First National Bank of Ballinger cert 3087 | $133.6M | 4.18% | 1 | 3.45% |
| 8 | Citizens State Bank cert 15519 | $125.8M | 3.93% | 1 | 3.45% |
| 9 | The City National Bank of Colorado City cert 3144 | $81.9M | 2.56% | 1 | 3.45% |
| 10 | First State Bank cert 17775 | $76.7M | 2.40% | 1 | 3.45% |
| 11 | The Bank and Trust, S.S.B. cert 1184 | $75.4M | 2.36% | 1 | 3.45% |
| 12 | Sundown State Bank cert 18780 | $36.9M | 1.15% | 1 | 3.45% |
| 13 | Prosperity Bank cert 16835 | $33.9M | 1.06% | 2 | 6.90% |
| 14 | PNC Bank, National Association cert 6384 | $22.1M | 0.69% | 1 | 3.45% |
| 15 | First National Bank Texas cert 3285 | $19.5M | 0.61% | 2 | 6.90% |
| 16 | Coleman County State Bank cert 15480 | $3.9M | 0.12% | 1 | 3.45% |
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.