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Applications and Memberships

Geographic Banking Markets

Evaluating the effects a proposed bank merger could have on financial competition begins with determining the geographic banking market in which the proposed merger would take place. A geographic banking market is broadly defined as an economically integrated area around a central city or large town.[1] Given the large size of the Eleventh District, some markets have been defined recently, while others may not have been updated in some time. The Federal Reserve does not automatically re-define markets based on proposed transactions. However, market definitions are re-examined once an application is submitted to ensure that the market definitions remain timely, relevant, and appropriate. Market definitions may be subject to change as more current data are analyzed.

The Federal Reserve uses a broad array of information in geographic banking market analysis, such as analysis of commuting data and shopping patterns, political or physical boundaries that may encourage or inhibit economic activity, and interviews with local government officials, business leaders, residents, and workers.

The following geographic banking markets have been defined in the years indicated with the data available at that time. As previously noted, these definitions are subject to change. Financial institutions at any stage of the acquisition or merger process are encouraged to contact relevant staff at the Federal Reserve Bank of Dallas to review the current applicability of these markets or, for geographies falling outside a currently defined market, to determine the relevant market for those areas.

If an applicant believes a defined geographic banking market is incorrect, they may propose an alternative market definition for consideration. Data and evidence, such as retail banking customers' substitution behavior or the economic integration of the relevant areas for the proposed market definition, should underpin any proposed alternative definitions.

The Surveillance and Industry Analysis Team defines geographic banking markets in the Eleventh District. For additional information, please contact Robert Amsler at 214-922-6087, or Karen Smith 214-922-6786.

11th District Geographic Banking Markets

Geographic banking market name Date of last review Included parishes/counties (or parts of, where designated)
Alexandria [2] 2014 Avoyelles, Catahoula, LaSalle, Rapides and Grant Parishes parishes
Many 2012 Sabine Parish
Monroe 2022 Caldwell, Morehouse, Ouachita, Richland, and Union parishes
Natchitoches 2012 Natchitoches Parish
Ruston 2022 Lincoln and Jackson Parishes
Shreveport-Bossier City 2022 Bossier, Caddo, De Soto and Webster parishes
Winnsboro 2022 Franklin Parish
New Mexico
Alamogordo 2022 Southern half of Lincoln County, NM, including the towns of Ruidoso, Carrizozo and Capitan; and the northern portion of Otero County, NM, including the Alamogordo, Tularosa, and Mescalero CCDs.
Albuquerque 2003 Bernalillo, Guadalupe, Sandoval, Torrance, and Valencia counties
Hobbs 2023 Lea County
Silver City-Stafford [3] 2013 Grant and Hidalgo counties, New Mexico, and Greenlee and Graham counties in Arizona
Abilene 2021 Abilene MSA (Taylor, Callahan, and Jones counties)
Amarillo 2019 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)
Aspermont 2021 Stonewall County
Athens 2017 Henderson County
Austin 2020 Austin MSA; and Bastrop, Blanco, Caldwell, Hays, Travis, and Williamson counties
Beaumont–Port Arthur 2002 Beaumont-Port Arthur MSA, which includes Hardin, Jefferson and Orange counties
Beeville 2006 Bee County
Big Spring 2022 Howard County
Brenham 2019 Washington County
Brownsville 1999 Cameron County, which makes up the Brownsville-Harlingen MSA.
Brownwood 2021 Brown County
Bryan-College Station 2023 Brazos, Burleson and Robertson counties
Carthage 2022 Panola County
Center 2022 Shelby County
Childress 2019 Childress, Hall, and Cottle counties, TX; plus the southeastern portion of Briscoe County, TX to include the community of Quitaque
Comanche 2021 Comanche County
Cooke 2023 Cooke County
Corpus Christi 1998 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 2023 Collin, Dallas, Delta, Ellis, Hunt, Kaufman, Rains, and Rockwall counties ; Denton County , (minus Roanoke in the southwestern portion of the county); and Van Zandt County (minus Van and Ben Wheeler in the eastern portion of the county).
Dumas–Dalhart 1994 Dallam, Hartley, Moore and Sherman counties, TX; and the city of Texhoma in Texas County, OK.
Duval 1993 Duval County excluding the city of San Diego
Eagle Pass 2013 Maverick County
Eastland 2021 Eastland County
El Paso-Las Cruces 2022 El Paso and Hudspeth counties in Texas, Doña Ana County in New Mexico, and the southeast Otero County Census county division in New Mexico
Fannin 2023 Fannin County
Fort Worth 2008 Tarrant, Johnson, Parker (excluding the city of Mineral Wells), Wise, Hood, and Somervell counties, TX; plus the southwest portion of Denton County, TX, including Roanoke; and the eastern portion of Erath County, TX, including Morgan Mill-Bluff Dale and Duffau-Clairette
Fredericksburg 2019 Gillespie County
Hamilton 2005 Hamilton County
Hereford 2012 Deaf Smith County, the northern portion of Parmer County (including Friona), and the northern portion of Castro County (including Dimmitt and Nazareth)
Houston 2021 The Houston-The Woodlands-Sugar Land MSA (Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, and Waller counties), plus San Jacinto, Wharton, Colorado, Matagorda, Polk, and Walker counties, plus the southern portion (the Navasota Census County Division) of Grimes County.
Jacksonville 2017 Cherokee County, excluding the community of Mount Selman in the northern part of the county, which is part of the Tyler market
Jasper 2017 Jasper and Newton counties
Kerrville 2011 Kerr County
Lamb 2000 Lamb County plus the northern half of Bailey County
Longview 2022 The Longview MSA (Gregg, Harrison, Rusk, and Upshur counties) plus Marion County
Lubbock 2022 Lubbock, Crosby, and Lynn counties in Texas (the current Lubbock MSA); Garza County, the southern portion of Hale County (the Petersburg and Abernathy CCDs); Terry County; Hockley County; and Cochran County.
Lufkin 2017 Angelina County
Marble Falls 2018 Llano and Burnet counties
Marfa 1993 Northern half of Presidio County
Matador 2019 Motley County
McAllen 2024 Hidalgo and Starr counties
Mineral Wells 2006 Palo Pinto County plus that portion of Mineral Wells in Parker County
Monahans 2009 Ward County
Nacogdoches 2017 Nacogdoches, Sabine, and San Augustine counties
Odessa–Midland 2023 Midland, Ector, Winkler, Martin, Glasscock, Reagan, Upton and Crane counties
Palestine 2017 Anderson County
Pampa 2019 Wheeler, Gray and Roberts counties
Paris 2023 Lamar County
Pearsall 2006 Frio County
Plainview 2019 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 1993 Southern half of Presidio County
Real 2006 Real County
San Antonio 2020 The San Antonio MSA (Bexar, Atascosa, Bandera, Comal, Guadalupe, Kendall, Medina, and Wilson counties)
San Angelo 2023 Tom Greene County
Sherman–Denison 2023 Sherman–Denison MSA, which includes Grayson County
Snyder 2020 Scurry County
Stephenville 2021 Central and western Erath County (the Stephenville and Dublin Census county divisions)
Texarkana [4] before 1990 Bowie County in Texas plus Little River and Miller counties in Arkansas
Tyler 2022 Smith County; Alba, Mineola, and Hawkins in southern Wood County; Van and Ben Wheeler in eastern Van Zandt County; and Mount Selman in northwest Cherokee County
Uvalde 2004 Uvalde County
Victoria 2005 Victoria MSA (Calhoun, Goliad, and Victoria counties) plus Jackson County
Waco 2016 McLennan, Bosque, and Falls counties, plus northwestern Limestone County and southeastern Hill County
Wellington 2019 Collingsworth County
Wichita Falls 2012 Wichita Falls MSA (Wichita, Clay, and Archer counties)
Woodville 2022 Tyler County


  1. The Board of Governors of the Federal Reserve System and the Antitrust Division of the U.S. Department of Justice have published a detailed overview of competitive analysis in banking.
  2. Defined with the Federal Reserve Bank of Atlanta
  3. Defined by the Federal Reserve Bank of San Francisco
  4. Defined by the Federal Reserve Bank of St. Louis