|
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.
|
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 |
Dona Ana
County (Las Cruces MSA) excluding those communities
located in the El Paso RMA |
| 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 |
Taylor
County and that part of the Abilene RMA that
extends into Jones County |
| Amarillo |
Potter
and Randall counties plus the area encompassing
Fritch, Borger and Stinnett in southern Hutchinson
County |
| Athens |
Henderson
County |
| 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 |
| 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 County (El Paso MSA) plus the communities
located in Dona Ana County, New Mexico, that
are in the El Paso RMA |
| Fort
Worth |
The
Fort Worth–Arlington Metropolitan Division,
consisting of Tarrant, Johnson, Parker and
Wise counties (excluding that portion of Parker
County consisting of Mineral Wells). |
| 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. |
Hamilton
|
Hamilton
County |
| 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 |
| 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 |
| 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 |
| Uvalde |
Uvalde
County |
| Victoria |
Victoria
MSA (Calhoun, Goliad, and Victoria counties)
plus Jackson County |
| Wichita
Falls |
Wichita
County, Clay County and the portion of Archer
County included in the Wichita Falls RMA |
| 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. |
