Bank Deserts

Bank Deserts have formed in Low to Mid Income areas resulting in
a "Bank Challenged" (unbanked / underbanked) population.


Bank Deserts =

Bank Desert bank deserts
Low to Mid Income =

Economics Poverty Rates bank deserts
Bank Challenged

FIDC Unbanked Rate bank deserts


= Predatory Check Cashers and Pay Day Loan Expansion Rates of 11-15% per Year



Interactive Map


Tap to open window for more info.


FFIEC Community Reinvestment Act

Distressed and Underserved Tracts

List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies

Download Excel and PDF files.


Other Bank Desert Maps


Map of the number of banks and payday lender stores in California counties





Kentucky Banking Deserts – Zip Codes With No Banks (Shaded Zip Codes)



Nevada Banking Deserts – Zip Codes With No Banks (Shaded Zip Codes)

Mid South

With thanks to Hope Policy.

bank deserts in the US mid south

Urban and Rural Bank Desert States

States with More Than 10 Urban or Rural Bank Deserts State Urban Bank Deserts Rural Bank Deserts
California 62 48
Texas 36 46
New York 32 18
Pennsylvania 21 35
Ohio 18  
Florida 17 63
Illinois 13  
New Jersey 13 11
Missouri 11  
South Carolina 20 20
Tennessee 19 19
Virginia 19 19
Georgia   43
Alabama   38
North Carolina   38
Arizona   22
Washington   21
Arkansas   17
Louisiana   15
Maryland   11
Mississippi   11
Combined Statistical Areas with at Least 8 Urban Deserts
New York-Newark, NY-NJ-CT-PA 40
Los Angeles-Long Beach, CA 36
Washington-Baltimore-Arlington, DC-MD-VA-WV-PA 11
Dallas-Fort Worth, TX-OK 11
Philadelphia-Reading-Camden, PA-NJ-DE-MD 10
Pittsburgh-New Castle-Weirton, PA-OH-WV 10
Boston-Worcester-Providence, MA-RI-NH-CT 9
Houston-The Woodlands, TX 9
Omaha-Council Bluffs-Fremont, NE-IA 9
San Jose-San Francisco-Oakland, CA 9
Atlanta-Athens-Clarke County-Sandy Springs, GA 8
Chicago-Naperville, IL-IN-WI 8

Banking the Unbanked: Bank Deserts in the United States
Russell D. Kashian, Ran Tao, Claudia Perez-Valdez
University of Wisconsin, Whitewater


Distressed Communities Map

The CDFI Fund determines Distressed Communities based on geographic and economic criteria. The area must have at least 4,000 people if it is within a Metropolitan Service Area (MSA), at least 1,000 people if it is not in an MSA, or the area must be located within an Indian Reservation. In addition, at least 30% of the area’s population must have incomes less than the national poverty level, and the unemployment rate must be at least 1.5 times the national average.

Use the map below to identify census tracts in your target area that fully or partially qualify as BEA Distressed Communities based on the updated eligibility data. And, visit the CDFI Fund’s website for more information on the BEA Program.


(Drag the map to show your state. Use the zoom in "+" to zoom into your neighborhood.)


See the National Unbanked Map of the USA here!

See where the unbanked live