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Banking Applications
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.
- Definitions
- Determination
- Contacts
Banking Market Definitions
| Louisiana | |
| Alexandria 1 | Rapides and Grant parishes |
| Monroe | Monroe MSA (Ouachita and Union Parishes) plus Caldwell 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 (Donna Ana County) |
| Lea | Lea County excluding the extreme southern portion |
| Roswell–Artesia | Chaves County and northern half of Eddy County |
| Santa Fe 2 | Santa Fe RMA |
| Silver City-Stafford 3 | 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 | Abilene MSA (Taylor, Callahan, and Jones Counties) |
| Amarillo | Potter and Randall counties plus the area encompassing Fritch, Borger and Stinnett in southern Hutchinson County |
| Athens | Western Henderson County, including Athens and Gun Barrel City |
| Austin | Austin MSA (Bastrop, Caldwell, Hays, Travis, and Williamson counties) |
| Beaumont–Port Arthur | Beaumont-Port Arthur MSA, which includes Hardin, Jefferson and Orange counties |
| Beeville | Bee County |
| Brazos | Brazos 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 |
| 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 |
| 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 Mineral Wells), and Wise Counties, plus the southwestern portion of Denton County, including Roanoke |
| Gonzales | Eastern one-third of Gonzales County; Nixon and Smiley constitute a separate market |
| Granbury | The Granbury Micropolitan Statistical Area consisting of Hood and Somervell Counties. |
| Grimes | Grimes County |
| Hamilton |
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 |
| 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 |
| Longview | Gregg, Harrison, Marion and Upshur counties, plus the northern two-thirds of Rusk County |
| Lubbock | Lubbock and Crosby counties |
| Marfa | Northern half of Presidio County |
| Maverick |
Maverick County |
| McAllen | Hidalgo County |
| Mineral Wells | Palo Pinto County plus that portion of Mineral Wells in Parker 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 |
| Odessa- Midland |
Midland and Ector counties |
| Paris | Lamar and Delta counties |
| Pearsall | Frio County |
| 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) |
| Texarkana4 | 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 |
| Wichita Falls | Wichita Falls MSA (Wichita, Clay, and Archer Counties) |
| Winkler County | Winkler County plus Jal, New Mexico |
Notes
RMA refers to Ranally Metro Area. Maps of these areas, a description of the methodology employed to define them, and relevant economic data may be found in the current edition of Rand McNally's Commercial Atlas and Marketing Guide.
- Defined by the Federal Reserve Bank of Atlanta
- Defined by the Federal Reserve Bank of Kansas City
- Defined by the Federal Reserve Bank of San Francisco
- 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:
- 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.
- 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 Ken Robinson at 214-922-5365 or Kory Killgo at 214-922-5362.
