1. Tract classifications
The supplied NDS reports use Federal Reserve classifications of census tracts as banking deserts, potential deserts, or non-deserts. Census tracts are different from postal ZIP codes.
2. ZIP exposure
NDS combines tract conditions with a geographic crosswalk to estimate exposure in ZIP geography. Weighted geographic exposure and allocated population exposure use different denominators.
3. Comparisons
National ranks refer to 20,307 eligible ZIPs in this snapshot. Texas ranks refer to its 1,436 eligible ZIPs. County and metro pages show national ZIP ranks rather than newly calculated county or metro ranks.
Read the measures separately
Pressure index
The NDS Financial Access Pressure Index summarizes physical banking-access pressure. Higher reported values indicate more pressure. It is not a rating of a bank or an individual’s finances. This package does not include the complete calculation specification.
Population exposure
Estimated people allocated to banking-desert geography. A count measures scale; a percentage measures the share of a defined represented population.
Ties and percentiles
Multiple ZIPs can share a rank. In the national selection, score 100.0 and rank #1 appear with percentile 98.70. The supplied ranks and percentiles are preserved; they are not recalculated from these selected rows.
Geography and uncertainty
ZIP codes can intersect more than one county or metro area. A place name is context, not proof that every part of a ZIP falls inside the named area. Population-group figures are NDS estimates allocated to geography, rather than direct counts of individual banking behavior. Overlapping groups should not be summed.
The report package does not supply margins of error or a full uncertainty model. The presence of a zero in a table should be read within its reported measure; a missing value should not be treated as zero.
Source dates and report coverage
The underlying observation year is not supplied in this report package. The website’s release date describes the publication update, not a refresh of banking conditions.
This edition publishes selected national and population-group rankings, a Texas report, a San Antonio–New Braunfels metro report, a Bexar County report, and one detailed ZIP profile. The source ranking universe is broader than the records published here.
Table downloads reproduce the records displayed on each page. They are not a download of the complete national source database.
Source snapshot: supplied NDS Banking Access report records. Underlying observation year: not supplied. Read sources and limitations →