Market Intelligence

Brazos County, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Brazos County, Texas, a core county of the College Station-Bryan, TX market, holds $7.6B in deposits across 24 insured institutions and 62 branches. Truist Bank is the largest deposit holder at 15.6% share. The top three banks hold 44% of deposits, which places the county in the Fragmented band. Deposits have grown 28.1% since 2020 while the branch count rose by 10.7%. It produces $12.5B of output, ranking #313 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$12.5B
#313 of 1,523
Population
249,088
#296 of 1,523
GDP per Capita
$50,167
#589 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$7.6B
#247 of 1,523
Deposits per Capita
$30,342
#374 of 1,523
Deposits per Branch
$122M
#364 of 1,523
Competitive structure
Insured Institutions
24
#147 of 1,523
Branches per 100k Pop.
24.9
#719 of 1,523
Median Deposits per Institution
$125M
The median deposits booked by a single institution in the county. #695 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
49.9%
of county deposits held by banks with $100M to $100B in assets. #1,099 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
44%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2020 to 2025)+28.1% over 5 years
$5.9B
2020
$7.3B
2021
$7.4B
2022
$7.0B
2023
$7.3B
2024
$7.6B
2025

Branches: 56 in 2020 to 62 in 2025. Institutions: 21 to 24. Top-three share: 44% to 44%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Truist Bank$1.2B15.6%4+28%
Wells Fargo Bank$1.1B15.1%5+28%
Prosperity Bank$980M13.0%10+21%
JPMorgan Chase Bank$851M11.3%3+95%
First Financial Bank$820M10.9%5+25%
American Momentum Bank$637M8.4%3+57%
Bank of America$429M5.7%2+1%
Amarillo National Bank$272M3.6%3+72%
Guaranty Bank & Trust$241M3.2%3+49%
PNC Bank$187M2.5%2-56%
VeraBank$158M2.1%2+894%
Simmons Bank$145M1.9%1no 2020 presence
Frost Bank$105M1.4%2no 2020 presence
The Brenham National Bank$72M0.9%2+24%
First State Bank of Bedias$67M0.9%1+32%
Extraco Banks$62M0.8%2+73%
City Bank$55M0.7%1-9%
Bank of Brenham$53M0.7%1no 2020 presence
First National Bank Texas$45M0.6%5+58%
First National Bank of Central Texas$18M0.2%1no 2020 presence
First National Bank of Huntsville$14M0.2%1+32%
Citizens Bank$13M0.2%1+5%
Pinnacle Bank$13M0.2%1no 2020 presence
Hancock Whitney Bank$4M0.1%1-12%

The 24 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the College Station-Bryan market

Brazos County is one of 3 counties that make up the College Station-Bryan, TX market, a Metropolitan Statistical Area (ranked #152 of 293 U.S. markets by economic output). It produces 78.0% of the market’s output and holds 86.6% of its deposits.

MeasureBrazos CountyShare of parent market
2024 GDP$12.5B78.0%
Deposits$7.6B86.6%
Population249,08886.6%

View the full College Station-Bryan market profile →

Recruiting in Brazos County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Brazos County.

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