County banking markets / TX / 48491
WilliamsonTexas
FIPS 48491. 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 (555) and unconcentrated on deposits (1,016).
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
34 branch offices and 20 institutions in 1994; 136 and 38 in 2025. Deposits booked in the county went from $912.7M to $12.75B, 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 | JPMorgan Chase Bank, National Association cert 628 | $2.89B | 22.67% | 18 | 13.24% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $1.93B | 15.13% | 15 | 11.03% |
| 3 | Bank of America, National Association cert 3510 | $1.29B | 10.12% | 8 | 5.88% |
| 4 | First Texas Bank cert 11935 | $742.4M | 5.82% | 6 | 4.41% |
| 5 | Frost Bank cert 5510 | $725.9M | 5.69% | 4 | 2.94% |
| 6 | PNC Bank, National Association cert 6384 | $690.0M | 5.41% | 10 | 7.35% |
| 7 | R Bank cert 58935 | $576.4M | 4.52% | 6 | 4.41% |
| 8 | VeraBank, National Association cert 3250 | $440.3M | 3.45% | 5 | 3.68% |
| 9 | PlainsCapital Bank cert 17491 | $361.1M | 2.83% | 1 | 0.74% |
| 10 | Regions Bank cert 12368 | $342.2M | 2.68% | 5 | 3.68% |
| 11 | SouthState Bank, National Association cert 33555 | $295.8M | 2.32% | 2 | 1.47% |
| 12 | Round Top State Bank cert 19358 | $265.5M | 2.08% | 3 | 2.21% |
| 13 | The City National Bank of Taylor cert 5548 | $209.0M | 1.64% | 1 | 0.74% |
| 14 | Cadence Bank cert 11813 | $208.5M | 1.64% | 4 | 2.94% |
| 15 | Prosperity Bank cert 16835 | $203.2M | 1.59% | 4 | 2.94% |
| 16 | First-Citizens Bank & Trust Company cert 11063 | $176.6M | 1.39% | 2 | 1.47% |
| 17 | Citizens National Bank cert 3127 | $162.6M | 1.28% | 4 | 2.94% |
| 18 | Bank OZK cert 110 | $132.0M | 1.04% | 1 | 0.74% |
| 19 | American Bank of Commerce cert 18609 | $131.2M | 1.03% | 1 | 0.74% |
| 20 | SouthStar Bank, S.S.B. cert 12299 | $118.9M | 0.93% | 3 | 2.21% |
| 21 | Susser Bank cert 34885 | $105.5M | 0.83% | 1 | 0.74% |
| 22 | Frontier Bank of Texas cert 58509 | $104.6M | 0.82% | 5 | 3.68% |
| 23 | First United Bank and Trust Company cert 4239 | $82.4M | 0.65% | 1 | 0.74% |
| 24 | Broadway National Bank cert 15797 | $68.9M | 0.54% | 1 | 0.74% |
| 25 | Classic Bank, National Association cert 3126 | $65.9M | 0.52% | 1 | 0.74% |
| 26 | Centennial Bank cert 11241 | $65.2M | 0.51% | 1 | 0.74% |
| 27 | Truist Bank cert 9846 | $63.6M | 0.50% | 2 | 1.47% |
| 28 | First National Bank Texas cert 3285 | $51.3M | 0.40% | 6 | 4.41% |
| 29 | Alliance Bank Central Texas cert 15657 | $48.7M | 0.38% | 1 | 0.74% |
| 30 | Comerica Bank cert 983 | $45.2M | 0.35% | 2 | 1.47% |
| 31 | The Granger National Bank cert 3232 | $41.7M | 0.33% | 1 | 0.74% |
| 32 | Extraco Banks, National Association cert 5551 | $34.2M | 0.27% | 1 | 0.74% |
| 33 | Guaranty Bank & Trust, N.A. cert 1208 | $32.8M | 0.26% | 2 | 1.47% |
| 34 | Woodforest National Bank cert 23220 | $15.3M | 0.12% | 3 | 2.21% |
| 35 | International Bank of Commerce cert 19629 | $9.8M | 0.08% | 2 | 1.47% |
| 36 | Third Coast Bank cert 58716 | $9.1M | 0.07% | 1 | 0.74% |
| 37 | Security State Bank & Trust cert 15809 | $6.9M | 0.05% | 1 | 0.74% |
| 38 | The First National Bank of Sonora cert 5531 | $6.9M | 0.05% | 1 | 0.74% |
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.