Caldwell County, Texas, a county in the Austin-Round Rock-San Marcos, TX market, holds $516M in deposits across 6 insured institutions and 7 branches. First-Lockhart National Bank is the largest deposit holder at 47.4% share. The top three institutions hold 85.6% of deposits, which places the county in the concentrated band. Deposits have grown 22.9% since 2020. It produces $1.2B of output, ranking #1,135 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 7 in 2020 to 7 in 2025. Institutions: 6 to 6. Top-three share: 83.8% to 85.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First-Lockhart National Bank | $245M | 47.4% | +20% |
| Sage Capital Bank, | $105M | 20.3% | +17% |
| Bank OZK | $92M | 17.8% | +58% |
| International Bank of Commerce | $37M | 7.2% | +9% |
| Citizens State Bank of Luling | $33M | 6.4% | +6% |
| First National Bank Texas | $4M | 0.9% | +60% |
The 6 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Austin-Round Rock-San Marcos market
Caldwell County is one of 5 counties that make up the Austin-Round Rock-San Marcos, TX market, a Metropolitan Statistical Area (ranked #22 of 293 U.S. markets by economic output). It produces 0.6% of the market’s output and holds 0.7% of its deposits.
| Measure | Caldwell County | Share of Austin-Round Rock-San Marcos market |
|---|---|---|
| 2024 GDP | $1.2B | 0.6% |
| Deposits | $516M | 0.7% |
| Population | 55,150 | 2.1% |
View the full Austin-Round Rock-San Marcos market profile →
Recruiting in Caldwell County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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 Caldwell County, on a retained basis.
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