Caldwell County, Texas, a county in the Austin-Round Rock-San Marcos, TX market, holds $559M in deposits across 6 insured institutions and 7 branches. First Lockhart Bank is the largest deposit holder at 47.1% share. The top three banks hold 87% of deposits, which places the county in the Concentrated band. Deposits have grown 17.6% since 2021. It produced $1.2B of real gross domestic product in 2024, ranking #1,135 of the 1,523 ranked counties by economic output.
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
Branches: 7 in 2021 to 7 in 2026. Institutions: 6 to 6. Top-three share: 84% to 87%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Lockhart Bank | $263M | 47.1% | +16% |
| Sage Capital Bank | $123M | 21.9% | +9% |
| Bank OZK | $100M | 18.0% | +71% |
| International Bank of Commerce | $34M | 6.1% | -14% |
| Citizens State Bank of Luling | $33M | 5.9% | -4% |
| First National Bank Texas | $6M | 1.0% | +50% |
The 6 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 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 0.8% of its deposits.
| Measure | Caldwell County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.2B | 0.6% |
| Deposits | $559M | 0.8% |
| 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.
See how we help banks recruit commercial banking talent