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 or Karen Smith.
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 | 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 |
| 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; 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 |
Notes
- 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.
- Defined with the Federal Reserve Bank of Atlanta
- Defined by the Federal Reserve Bank of San Francisco
- Defined by the Federal Reserve Bank of St. Louis