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Banking Markets

The Federal Reserve Bank of Dallas has, over a period of several years, defined a number of geographic banking markets in the Eleventh District. Where no anticompetitive effects were perceived, the Federal Reserve has often, on the basis of limited data, adopted an MSA or non-MSA county as a market definition. These definitions should not be regarded as definitive.

Banking Market Definitions

Alexandria 1 Rapides, Grant, Avoyelles, Catahoula and LaSalle parishes
Many Sabine Parish
Monroe Monroe MSA (Ouachita and Union Parishes) plus Caldwell Parish
Natchitoches Natchitoches Parish
Ruston Lincoln and Jackson Parishes
Shreveport-Bossier City Shreveport-Bossier City MSA (Caddo, Bossier and De Soto parishes) plus Webster Parish


New Mexico
Alamogordo Southern half of Lincoln County (Ruidoso, Carrizozo and Capitan) plus the northern half of Otero County (Alamogordo, Tularosa and Mescalero)
Albuquerque Albuquerque MSA (Sandoval, Bernalillo, Valencia and Torrance counties) plus Guadalupe County
Carlsbad Southern half of Eddy County
Las Cruces Las Cruces MSA (Doña Ana County)
Lea Lea County excluding the extreme southern portion
Roswell–Artesia Chaves County and northern half of Eddy County
Silver City-Stafford 2 Grant and Hidalgo County plus Greenlee and Graham County in Arizona; includes the communities of Silver City, Bayard, Hurley, and Lordsburg in New Mexico and Safford, Duncan and Morenci in Arizona


Abilene Abilene MSA (Taylor, Callahan, and Jones Counties)
Amarillo Potter, Randall, Oldham, Carson, and Armstrong counties, along with the southern portion of Hutchinson County (the Borger Census county division) and the northern portion of Swisher County (the Happy and Tulia Census county divisions)
Athens Western Henderson County, including Athens and Gun Barrel City
Austin Austin MSA (Bastrop, Caldwell, Hays, Travis, and Williamson counties) plus Blanco County
Beaumont–Port Arthur Beaumont-Port Arthur MSA, which includes Hardin, Jefferson and Orange counties
Beeville Bee County
Brazos Brazos County
Brenham Washington County
Brownsville Cameron County (the Brownsville–Harlingen–San Benito MSA)
Brownwood Brown County plus that portion of southern Eastland County including the towns of Rising Star, Pioneer, and Okra.
Cass Cass County excluding Hughes Springs and Avinger
Childress Childress, Hall, and Cottle counties, plus the community of Quitaque in Briscoe County
Cooke Cooke County plus the northern third of Denton County
Corpus Christi Nueces and San Patricio counties plus the area encompassing Alice and Orange Grove in Jim Wells County and the community of San Diego in Duval County
Dallas Dallas County, the southeastern quadrant of Denton County (including Denton and Lewisville), the southwestern quadrant of Collin County (including McKinney and Plano), Rockwall County, the communities of Forney and Terrell in Kaufman County, Midlothian, Waxahachie and Ferris in Ellis County
Dumas–Dalhart Dallam, Hartley, Moore and Sherman counties in Texas and the city of Texhoma in Oklahoma
Duval Duval County excluding the city of San Diego
Eagle Pass Maverick County
Eastland Eastland County excluding Rising Star, Pioneer, and Okra which are part of the Brownwood banking market
Ellis Ellis County, excluding that portion included in the Dallas Banking Market
El Paso El Paso MSA (El Paso County)
Fort Worth Tarrant, Johnson, Parker (excluding the city of Mineral Wells), Wise, Hood, and Somervell counties, plus the southwest portion of Denton County, including Roanoke.
Fredericksburg Gillespie County
Gonzales Eastern one-third of Gonzales County; Nixon and Smiley constitute a separate market
Grimes Grimes County
Hamilton County
Hereford Deaf Smith County, the northern portion of Parmer County (including Friona), and the northern portion of Castro County (including Dimmitt and Nazareth)
Houston The Houston–Sugar Land–Baytown MSA, consisting of the following ten counties: Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, San Jacinto and Waller.
Hunt Hunt County plus that portion of Collin County that is not included in the Dallas or Sherman-Denison Banking Market
Huntsville Huntsville Walker County
Kaufman Kaufman County, excluding that portion included in the Dallas Banking Market
Kerrville Kerr County
Kingsville The area encompassing Falfurrias in Brooks County, Premont in Jim Wells County, and Kingsville in Kleburg County
Lamb Lamb County plus the northern half of Bailey County
Laredo Webb County
Longview Gregg, Harrison, Marion and Upshur counties, plus the northern two-thirds of Rusk County
Lubbock Lubbock, Crosby, Lynn, and Garza counties, along with the southern portion of Hale County (the Petersburg and Abernathy Census county divisions)
Marble Falls Llano and Burnet counties
Marfa Northern half of Presidio County
Matador Motley County
McAllen Hidalgo and Starr counties
Mineral Wells Palo Pinto County plus that portion of Mineral Wells in Parker County
Monahans Ward County
Morris Southern half of Morris County and the southwestern portion of Cass County (including Daingerfield, Hughes Springs, Lone Star and Avinger)
Nacogdoches Nacogdoches County and the southern one-third of Rusk County (including New Salem, Glenfawn, Mt. Enterprise and Caledonia)
Nixon–Smiley Western two-thirds of Gonzales County
Midland and Ector counties
Pampa Wheeler, Gray and Roberts counties
Paris Lamar and Delta counties
Pearsall Frio County
Plainview The northern half of Hale County (including the Plainview and Hale Center Census county divisions), the southern portion of Castro County (the Hart Census county division), and the southern portion of Swisher County (the Kress Census county division)
Presidio Southern half of Presidio County
Real Real County
San Antonio Bexar, Comal, Guadalupe, Kendall, and Wilson counties
Sherman–Denison Sherman–Denison MSA (Grayson County) plus the northwestern part of Collin County (including Celina and Anna)
Snyder Scurry County
Texarkana3 Bowie County in Texas plus Little River and Miller counties in Arkansas
Tyler Smith County, the communities of Alba, Mineola and Hawkins in southern Wood County, the communities of Van and Ben Wheeler in eastern Van Zandt County, the communities of Brownsboro and Larue in eastern Henderson County, and the community of Mount Selman in northwest Cherokee County
Uvalde Uvalde County
Victoria Victoria MSA (Calhoun, Goliad, and Victoria counties) plus Jackson County
Waco McLennan, Bosque, and Falls counties, plus northwestern Limestone County and southeastern Hill County
Wellington Collingsworth County
Wichita Falls Wichita Falls MSA (Wichita, Clay, and Archer Counties)
Winkler County Winkler County plus Jal, New Mexico
  1. Defined with the Federal Reserve Bank of Atlanta
  2. Defined by the Federal Reserve Bank of San Francisco
  3. Defined by the Federal Reserve Bank of St. Louis

Banking Market Determination

The following qualifications should be kept in mind when considering a merger or acquisition:

  1. Banking market determination is conducted on a case-by-case basis, and previous determinations may not be regarded as precedents for future decisions. Where a potential anticompetitive situation is perceived, the Reserve Bank will undertake a thorough investigation to determine if a previously defined market should be redefined or to define a market not previously examined. Geographic market evaluation and designation consider a variety of factors. Available economic and demographic data, patterns of trade and existing political barriers are influential in our analysis.
  2. Reserve Bank staff members are available to discuss preliminary market determinations at any stage in the negotiations or applications process. On the basis of the location of the bank to be acquired and the location of the nearest subsidiary of the firm or individuals making the acquisition, it should be possible to determine quickly whether an in-depth analysis of the relevant geographic market boundaries is required.

Banking Market Contacts

The Financial Industry Studies Department maintains banking market definitions for the Eleventh District. For additional information, please contact Kory Killgo at 214-922-5362 .