ZIP profile

Banking access in ZIP 78640

Texas · Hays TX. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 16.0368. 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 index16.0368
National pressure rank#3,563 of 20,307
National percentile79.99
State pressure rank#325 of 1,436
State percentile75.42
Weighted banking-desert geography16.04%
Weighted potential-desert geography0.00%
Population banking-desert exposure6.47%
Population potential-desert exposure0.00%
Allocated population61,843.32
Allocated population in banking deserts4,002.05

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-Hispanic215.4144.9520.87%LIMITED
Asian non-Hispanic404.312.070.51%LIMITED
Black non-Hispanic2,596.9131.481.21%STANDARD
Residents with disabilities6,336.11325.985.14%HIGH
Hispanic34,098.942,594.897.61%HIGH
Older residents4,769.79242.205.08%STANDARD
Other race non-Hispanic107.500.000.00%LIMITED
People of color38,335.902,715.597.08%HIGH
Two or more races non-Hispanic912.8342.194.62%LIMITED
White non-Hispanic23,507.431,286.475.47%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 →