National banking-access intelligence

Where Are the Banks?

When the nearby branch is gone, everyday banking becomes a longer journey. Explore how banking access varies across communities—and who faces the greatest pressure.

Illustrative scene connecting rural and urban communities, a former drive-through, modern bank and ATM, public transit, and mobile banking

Illustrative image · Where communities, geography, and everyday banking meet. Map and connecting line are conceptual.

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A national geographic publication

Banking access looks different depending on where you live.

Start with selected national findings, explore population exposure, or follow the Texas reports from state to metro, county, and ZIP. These reports describe geographic banking access; they do not measure whether an individual has a bank account.

20,307Eligible ZIPs in the source ranking
1,131Banking-desert dominant
1,262Potential-desert dominant
51State/equivalent identities in the source
Featured national finding

Highest financial-access pressure

These five ZIPs share the highest published pressure rank. Explore 25 selected records from that tied group and see the ranking universe alongside each result.

5 rows shown

Search applies to these 5 published rows. Downloads contain all displayed source rows.

Banking Access Report | Banking Deserts, ZIP Rankings & Communities
ZIPStatePressureNational rankPercentile
78617TX100.0#198.70
86413AZ100.0#198.70
92310CA100.0#198.70
31052GA100.0#198.70
92254CA100.0#198.70

Explore national rankings

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People & Financial Access

Who is represented in places with banking-access constraints?

A high exposed-population count and a high exposure percentage answer different questions. Compare both to understand the scale and concentration of estimated exposure.

Hispanic residents

Selected national rankings by estimated exposed-population count.

Explore Hispanic residents →
Black non-Hispanic residents

Selected national rankings by estimated exposed-population count.

Explore Black non-Hispanic residents →
ZIP 78260

See pressure, national position, and estimated exposure across population groups.

Read the ZIP report →
Follow the geography

Start with Texas. Look closer.

Explore the reports currently available, from the statewide ranking to a detailed community profile.

Texas

Selected ZIP pressure rankings within a 1,436-ZIP eligible state universe.

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San Antonio–New Braunfels

Metro-level context and selected ZIP comparisons.

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Bexar County

County-associated ZIPs and estimated population exposure.

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News · Consumer Magazine

U.S. Banking Deserts: By ZIP Code

Consumer Magazine cover: U.S. Banking Deserts by ZIP Code

Where access is disappearing—and who is left behind.

A nearby branch can be part of everyday life. This editorial feature asks what happens when banking becomes harder to reach, and why the experience differs from one community to another.

Explore the story at Consumer Magazine

Editorial cover artwork. Its illustrated map is not a report data layer; the cover’s 2026 date is not the source observation year.

Report coverage

This edition publishes selected ranking records and a detailed ZIP 78260 profile. The 20,307-ZIP source ranking universe is not a count of individual ZIP reports on this website.

Source snapshot: supplied NDS Banking Access report records. Underlying observation year: not supplied. Read sources and limitations →