Unbanked Rates by Year for Texas

Characteristics 2011 (Percent) 2013 (Percent) 2015 (Percent) 90% Confidence Interval, 2015 Difference (2015-2013) 90% Confidence Interval, Difference
All 12.8 10.4 9.4 (8.2, 10.6) -1.1 (-2.9, 0.7)
Family income
Less than $15,000 38.0 35.0 25.6 (21.6, 30.2) -9.3* (-15.6, -3.1)
$15,000 to $30,000 20.3 14.9 20.8 (17.1, 25.1) 5.9* (0.8, 11.0)
$30,000 to $50,000 8.6 8.9 7.7 (5.7, 10.3) -1.1 (-4.5, 2.2)
$50,000 to $75,000 3.6 1.9 2.3 (1.3, 4.3) 0.5 (-1.5, 2.5)
At least $75,000 0.5 0.8 0.6 (0.2, 1.9) -0.2 (-1.0, 0.6)
Education
No high school diploma 31.9 31.3 28.8 (24.4, 33.6) -2.5 (-8.8, 3.8)
High school diploma 16.1 13.9 13.7 (10.8, 17.1) -0.3 (-4.2, 3.6)
Some college 9.2 5.6 5.9 (4.4, 8.1) 0.3 (-2.2, 2.9)
College degree 1.6 1.0 0.7 (0.3, 1.8) -0.3 (-1.2, 0.6)
Age group
15 to 24 years 27.2 16.7 NA NA NA NA
25 to 34 years 16.4 18.0 13.8 (11.1, 17.0) -4.2 (-8.7, 0.2)
35 to 44 years 12.0 10.3 12.8 (10.0, 16.3) 2.5 (-1.6, 6.5)
45 to 54 years 13.9 11.2 8.8 (6.3, 12.2) -2.4 (-6.2, 1.4)
55 to 64 years 7.3 4.9 7.5 (5.1, 10.9) 2.7 (-0.7, 6.1)
65 years or more 7.4 4.3 2.7 (1.6, 4.5) -1.5 (-3.7, 0.7)
Race/Ethnicity
Black 22.3 20.0 16.2 (12.5, 20.7) -3.8 (-9.3, 1.6)
Hispanic 23.6 18.6 18.2 (15.3, 21.4) -0.5 (-4.5, 3.5)
Asian NA NA NA NA NA NA
White 4.0 3.1 2.5 (1.8, 3.4) -0.6 (-1.8, 0.5)
Other NA NA NA NA NA NA
Disability status
Disabled, age 25 to 64 26.0 21.5 17.6 (12.9, 23.5) -3.9 (-10.9, 3.0)
Not disabled, age 25 to 64 11.0 10.2 10.1 (8.7, 11.7) -0.1 (-2.3, 2.1)
Not applicable (not age 25 to 64) 13.1 7.5 4.8 (3.3, 6.8) -2.7* (-5.2, -0.2)
Employment status
Employed 9.9 9.1 8.2 (6.9, 9.8) -0.8 (-2.8, 1.2)
Unemployed 23.2 NA NA NA NA NA
Not in labor force 16.8 12.6 10.3 (8.4, 12.6) -2.3 (-5.3, 0.6)
Homeownership
Homeowner 5.6 3.8 4.4 (3.5, 5.6) 0.6 (-0.8, 2.0)
Non-homeowner 25.8 21.8 17.3 (14.9, 19.9) -4.5* (-8.3, -0.8)
Household type
Married couple 7.8 6.9 6.4 (5.0, 8.2) -0.5 (-2.8, 1.8)
Unmarried female-headed family 26.3 20.2 20.0 (16.0, 24.7) -0.2 (-6.3, 5.8)
Unmarried male-headed family 21.7 17.9 NA NA NA NA
Female individual 9.1 7.1 6.8 (4.7, 9.7) -0.3 (-3.6, 3.0)
Male individual 16.6 12.8 10.5 (8.3, 13.2) -2.3 (-6.5, 1.9)
Nativity
U.S.-born 10.7 8.1 6.9 (5.8, 8.1) -1.2 (-3.0, 0.5)
Foreign-born citizen 6.8 8.0 6.6 (3.8, 11.2) -1.4 (-6.7, 3.9)
Foreign-born non-citizen 30.0 28.8 26.6 (21.7, 32.1) -2.3 (-9.4, 4.8)
Spanish only language spoken
Spanish is not only language spoken 11.5 9.0 8.0 (6.9, 9.1) -1.0 (-2.6, 0.5)
Spanish is only language spoken 40.7 39.3 NA NA NA NA
Metropolitan status
Metropolitan area - principal city 15.1 12.8 11.9 (9.9, 14.1) -0.9 (-3.6, 1.8)
Metropolitan area - balance 8.5 7.1 7.0 (5.6, 8.9) 0.0 (-2.5, 2.4)
Not in metropolitan area 13.0 14.7 8.9 (5.4, 14.3) -5.8 (-12.2, 0.7)
Not identified 17.4 8.5 8.0 (6.0, 10.6) -0.5 (-4.4, 3.4)


~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys.
* indicates differences that are statistically significant at the 10% level.
NA indicates that the sample size is too small to produce a precise estimate.

- indicates an estimate of zero. The population proportion may be slightly greater than zero.

Estimates do not always reconcile to totals because of rounding.