ZIP profile

Banking access in ZIP 78610

Texas · Hays TX. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 18.9295. 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 index18.9295
National pressure rank#3,282 of 20,307
National percentile81.38
State pressure rank#305 of 1,436
State percentile76.81
Weighted banking-desert geography16.79%
Weighted potential-desert geography4.28%
Population banking-desert exposure5.83%
Population potential-desert exposure4.71%
Allocated population37,720.71
Allocated population in banking deserts2,200.92

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-Hispanic12.7912.2996.14%LIMITED
Asian non-Hispanic528.471.180.22%LIMITED
Black non-Hispanic1,567.5585.235.44%STANDARD
Residents with disabilities3,224.15319.399.91%STANDARD
Hispanic15,516.481,446.769.32%HIGH
Older residents3,166.47232.707.35%STANDARD
Other race non-Hispanic164.680.000.00%LIMITED
People of color18,790.931,594.498.49%HIGH
Two or more races non-Hispanic1,000.9649.024.90%STANDARD
White non-Hispanic18,929.78606.433.20%HIGH

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 →