ZIP profile

Banking access in ZIP 21738

Maryland · Howard MD. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 84.5438. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index84.5438
National pressure rank#444 of 20,307
National percentile96.52
State pressure rank#4 of 312
State percentile98.08
Weighted banking-desert geography70.96%
Weighted potential-desert geography27.16%
Population banking-desert exposure73.90%
Population potential-desert exposure24.34%
Allocated population3,244.30
Allocated population in banking deserts2,397.68

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic0.070.000.00%LIMITED
Asian non-Hispanic302.93258.0985.20%LIMITED
Black non-Hispanic50.1640.3180.36%LIMITED
Residents with disabilities205.24158.2377.09%LIMITED
Hispanic61.7054.4588.24%LIMITED
Older residents495.02382.6977.31%LIMITED
Other race non-Hispanic21.8220.4293.57%LIMITED
People of color505.79398.9278.87%LIMITED
Two or more races non-Hispanic69.1125.6537.12%LIMITED
White non-Hispanic2,738.511,998.7672.99%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →