ZIP profile

Banking access in ZIP 78616

Texas · Caldwell TX. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 87.4639. 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 index87.4639
National pressure rank#396 of 20,307
National percentile96.76
State pressure rank#28 of 1,436
State percentile97.28
Weighted banking-desert geography74.93%
Weighted potential-desert geography25.07%
Population banking-desert exposure75.08%
Population potential-desert exposure24.92%
Allocated population8,864.67
Allocated population in banking deserts6,655.64

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-Hispanic52.6852.68100.00%LIMITED
Asian non-Hispanic1.701.70100.00%LIMITED
Black non-Hispanic141.7748.3934.13%LIMITED
Residents with disabilities993.64684.6568.90%LIMITED
Hispanic5,674.594,745.5183.63%HIGH
Older residents875.73548.4362.63%LIMITED
Other race non-Hispanic20.6820.68100.00%LIMITED
People of color6,056.664,913.4781.13%HIGH
Two or more races non-Hispanic165.2444.5126.94%LIMITED
White non-Hispanic2,808.011,742.1762.04%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 →