ZIP profile

Banking access in ZIP 38109

Tennessee · Shelby TN. Source year 2025.

Mixed financial access

The published Financial Access Pressure Index is 47.8991. 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 index47.8991
National pressure rank#1,461 of 20,307
National percentile90.4
State pressure rank#57 of 471
State percentile87.47
Weighted banking-desert geography42.58%
Weighted potential-desert geography10.64%
Population banking-desert exposure47.85%
Population potential-desert exposure9.97%
Allocated population43,738.21
Allocated population in banking deserts20,929.00

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-Hispanic0.000.00UnavailableNOT_AVAILABLE
Asian non-Hispanic10.000.000.00%LIMITED
Black non-Hispanic41,843.2119,874.0047.50%HIGH
Residents with disabilities7,677.683,575.0046.56%HIGH
Hispanic804.22580.0072.12%LIMITED
Older residents8,058.924,328.0053.70%HIGH
Other race non-Hispanic24.000.000.00%LIMITED
People of color42,861.0120,489.0047.80%HIGH
Two or more races non-Hispanic179.5935.0019.49%LIMITED
White non-Hispanic877.20440.0050.16%LIMITED

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 →