Underbanked Rates by Year for Texas

Characteristics 2013 (Percent) 2015 (Percent) 90% Confidence Interval, 2015 Difference (2015-2013) 90% Confidence Interval, Difference
All 27.4 23.7 (22.1, 25.4) -3.7* (-6.2, -1.3)
Family income
Less than $15,000 28.2 29.5 (25.2, 34.2) 1.3 (-4.4, 7.1)
$15,000 to $30,000 31.6 25.8 (21.9, 30.0) -5.9 (-11.9, 0.1)
$30,000 to $50,000 31.1 26.0 (22.2, 30.2) -5.1 (-10.9, 0.8)
$50,000 to $75,000 29.2 28.8 (24.5, 33.5) -0.4 (-6.1, 5.2)
At least $75,000 20.3 16.2 (13.8, 19.0) -4.1* (-8.0, -0.2)
Education
No high school diploma 30.8 26.7 (22.7, 31.2) -4.1 (-10.1, 1.8)
High school diploma 31.1 26.0 (22.6, 29.8) -5.1* (-10.0, -0.2)
Some college 28.7 27.6 (24.8, 30.6) -1.1 (-5.5, 3.3)
College degree 21.1 17.3 (14.8, 20.2) -3.8 (-7.6, 0.0)
Age group
15 to 24 years 34.4 NA NA NA NA
25 to 34 years 30.0 27.1 (23.4, 31.2) -2.9 (-8.1, 2.3)
35 to 44 years 35.2 27.7 (23.8, 32.0) -7.4* (-13.0, -1.8)
45 to 54 years 28.7 23.1 (19.8, 26.7) -5.7* (-10.6, -0.7)
55 to 64 years 25.8 22.0 (18.2, 26.3) -3.8 (-9.5, 1.8)
65 years or more 14.2 15.1 (12.5, 18.2) 0.9 (-3.2, 5.0)
Race/Ethnicity
Black 40.3 30.3 (25.8, 35.1) -10.0* (-17.5, -2.5)
Hispanic 33.6 30.3 (26.8, 34.0) -3.4 (-8.2, 1.5)
Asian NA NA NA NA NA
White 19.7 16.6 (14.4, 19.1) -3.1 (-6.2, 0.1)
Other NA NA NA NA NA
Disability status
Disabled, age 25 to 64 37.6 31.2 (25.8, 37.1) -6.4 (-14.4, 1.6)
Not disabled, age 25 to 64 29.1 24.4 (22.3, 26.6) -4.8* (-7.9, -1.6)
Not applicable (not age 25 to 64) 19.4 19.5 (16.8, 22.5) 0.0 (-4.0, 4.1)
Employment status
Employed 29.8 26.2 (23.9, 28.7) -3.6* (-7.0, -0.2)
Unemployed NA NA NA NA NA
Not in labor force 20.9 18.5 (16.3, 20.9) -2.4 (-5.7, 0.8)
Homeownership
Homeowner 23.1 18.4 (16.5, 20.4) -4.7* (-7.8, -1.6)
Non-homeowner 34.9 32.2 (29.1, 35.6) -2.7 (-7.2, 1.8)
Household type
Married couple 23.9 20.8 (18.6, 23.2) -3.1 (-6.4, 0.2)
Unmarried female-headed family 38.6 33.6 (28.9, 38.6) -5.0 (-11.8, 1.8)
Unmarried male-headed family 30.3 NA NA NA NA
Female individual 26.4 25.7 (21.6, 30.3) -0.7 (-6.8, 5.3)
Male individual 28.0 20.0 (16.5, 24.0) -8.0* (-13.2, -2.8)
Nativity
U.S.-born 25.8 21.6 (19.7, 23.5) -4.2* (-6.9, -1.5)
Foreign-born citizen 32.7 31.0 (25.3, 37.3) -1.8 (-10.1, 6.6)
Foreign-born non-citizen 35.9 32.7 (27.1, 38.9) -3.2 (-10.8, 4.5)
Spanish only language spoken
Spanish is not only language spoken 27.2 23.4 (21.7, 25.1) -3.8* (-6.2, -1.4)
Spanish is only language spoken 33.2 NA NA NA NA
Metropolitan status
Metropolitan area - principal city 29.4 27.2 (24.4, 30.3) -2.2 (-6.2, 1.9)
Metropolitan area - balance 23.6 21.8 (19.3, 24.5) -1.8 (-5.6, 2.0)
Not in metropolitan area 32.2 14.4 (11.5, 17.9) -17.8* (-24.0, -11.6)
Not identified 28.3 24.0 (19.0, 29.9) -4.3 (-11.7, 3.1)


~ 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.