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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 Kory Killgo at 214-922-5362, or Amy Chapel 214-922-5178.

11th District Geographic Banking Markets

Geographic banking market name Date of last review Included parishes/counties (or parts of, where designated)
Louisiana
Alexandria [2] 2014 Rapides, Grant, Avoyelles, Catahoula and LaSalle parishes
Many 2012 Sabine Parish
Monroe 2005 Ouachita, Union, and Caldwell parishes
Natchitoches 2012 Natchitoches Parish
Ruston 2005 Lincoln and Jackson Parishes
Shreveport-Bossier City 2022 Shreveport-Bossier City MSA (Caddo, Bossier and De Soto parishes) plus Webster Parish
New Mexico
Alamogordo 2001 Southern half of Lincoln County (Ruidoso, Carrizozo and Capitan) plus the northern half of Otero County (Alamogordo, Tularosa and Mescalero)
Albuquerque 2003 Albuquerque MSA (Sandoval, Bernalillo, Valencia and Torrance counties) plus Guadalupe County
Silver City-Stafford [3] 2001 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
Texas
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 (Bastrop, Caldwell, Hays, Travis, and Williamson counties) plus Blanco County
Beaumont–Port Arthur 2002 Beaumont-Port Arthur MSA, which includes Hardin, Jefferson and Orange counties
Beeville 2006 Bee County
Brazos 2012 Brazos County
Brenham 2019 Washington County
Brownsville 1999 Cameron County (the Brownsville–Harlingen–San Benito MSA)
Brownwood 2021 Brown County
Carthage 2022 Panola County
Center 2022 Shelby County
Childress 2019 Childress, Hall, and Cottle counties, plus the community of Quitaque in Briscoe County
Comanche 2021 Comanche County
Cooke 1997 Cooke County plus the northern third of Denton 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 1997 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, and Midlothian, Waxahachie and Ferris in Ellis County
Dumas–Dalhart 1994 Dallam, Hartley, Moore and Sherman counties in Texas and the city of Texhoma in Oklahoma
Duval 1993 Duval County excluding the city of San Diego
Eagle Pass 2013 Maverick County
Eastland 2021 Eastland County
Ellis 1997 Ellis County, excluding that portion included in the Dallas Banking Market
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
Fort Worth 2021 Tarrant, Johnson, Parker (excluding the city of Mineral Wells), Wise, Hood, and Somervell counties, plus the southwest portion of Denton County, including Roanoke, and the eastern portion of Erath County, including the Duffau-Clairette and Morgan Mill-Bluff Dale Census county divisions
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.
Hunt 1997 Hunt County plus that portion of Collin County that is not included in the Dallas or Sherman-Denison Banking Market
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
Kaufman 1997 Kaufman County, excluding that portion included in the Dallas Banking Market
Kerrville 2011 Kerr County
Lamb 2000 Lamb County plus the northern half of Bailey County
Laredo 2001 Webb County
Longview 2022 The Longview MSA (Gregg, Harrison, Rusk, and Upshur counties) plus Marion County
Lubbock 2019 Lubbock, Crosby, Lynn, and Garza counties, along with the southern portion of Hale County (the Petersburg and Abernathy Census county divisions)
Lufkin 2017 Angelina County
Marble Falls 2018 Llano and Burnet counties
Marfa 1993 Northern half of Presidio County
Matador 2019 Motley County
McAllen 2013 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
Midland-Odessa 1994 Midland and Ector counties
Palestine 2017 Anderson County
Pampa 2019 Wheeler, Gray and Roberts counties
Paris 2000 Lamar and Delta counties
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)
Sherman–Denison 1997 Sherman–Denison MSA (Grayson County) plus the northwestern part of Collin County (including Celina and Anna)
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 2010 Smith County; Alba, Mineola and Hawkins in southern Wood County; Van and Ben Wheeler in eastern Van Zandt County; Brownsboro and Larue in eastern Henderson 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

Notes

  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