ZIP profile

Banking access in ZIP 78656

Texas · Hays TX. Source year 2025.

Mixed financial access

The published Financial Access Pressure Index is 49.5894. 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 index49.5894
National pressure rank#1,322 of 20,307
National percentile91.09
State pressure rank#114 of 1,436
State percentile90.11
Weighted banking-desert geography48.87%
Weighted potential-desert geography1.43%
Population banking-desert exposure35.52%
Population potential-desert exposure1.75%
Allocated population4,553.60
Allocated population in banking deserts1,617.43

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-Hispanic4.694.69100.00%LIMITED
Asian non-Hispanic43.721.463.35%LIMITED
Black non-Hispanic223.1741.2618.49%LIMITED
Residents with disabilities575.19250.5643.56%LIMITED
Hispanic2,737.581,026.2637.49%STANDARD
Older residents317.80177.5855.88%LIMITED
Other race non-Hispanic1.570.2012.85%LIMITED
People of color3,048.131,083.0735.53%STANDARD
Two or more races non-Hispanic36.389.2025.30%LIMITED
White non-Hispanic1,505.47534.3635.49%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 →