ZIP profile

Banking access in ZIP 28323

North Carolina · Harnett NC. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 90.0254. 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 index90.0254
National pressure rank#351 of 20,307
National percentile96.98
State pressure rank#24 of 639
State percentile94.84
Weighted banking-desert geography80.05%
Weighted potential-desert geography19.95%
Population banking-desert exposure61.58%
Population potential-desert exposure38.42%
Allocated population4,329.23
Allocated population in banking deserts2,666.03

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-Hispanic47.0913.8929.50%LIMITED
Asian non-Hispanic45.209.8621.82%LIMITED
Black non-Hispanic1,014.29737.8072.74%STANDARD
Residents with disabilities667.24427.3564.05%LIMITED
Hispanic463.94236.3850.95%LIMITED
Older residents485.89378.1377.82%LIMITED
Other race non-Hispanic13.2511.6988.27%LIMITED
People of color1,728.631,077.4162.33%STANDARD
Two or more races non-Hispanic142.3367.7747.62%LIMITED
White non-Hispanic2,600.601,588.6261.09%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 →