Market Intelligence

Calhoun County, TX

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Victoria-Port Lavaca, TX › Calhoun County

Calhoun County, Texas, a core county of the Victoria-Port Lavaca, TX market, holds $501M in deposits across 6 insured institutions and 8 branches. First National Bank in Port Lavaca is the largest deposit holder at 54.1% share. The top three institutions hold 85.8% of deposits, which places the county in the concentrated band. Deposits have fallen 13.6% since 2020. It produces $4.2B of output, ranking #661 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$4.2B
#661 of 1,523
Total Deposits
$501M
#1,206 of 1,523
Population
19,599
#1,310 of 1,523
GDP per Capita
$214,627
#8 of 1,523
Insured Institutions
6
#1,043 of 1,523
Deposits per Branch
$63M
#1,200 of 1,523
Deposits per Capita
$25,552
#578 of 1,523
Branches per 100k Pop.
40.8
#207 of 1,523
Median Institution Size
$65M
Median deposits of the institutions operating in the county. #1,261 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
86.4%
of market deposits held by banks with $100M to $50B in assets. #392 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 Deposit Share: concentrated
85.8%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025-13.6% over 5 years
$580M
2020
$628M
2021
$617M
2022
$535M
2023
$521M
2024
$501M
2025

Branches: 8 in 2020 to 8 in 2025. Institutions: 6 to 6. Top-three share: 88.3% to 85.8%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
First National Bank in Port Lavaca$271M54.1%3-8%
International Bank of Commerce$91M18.1%1-8%
Wells Fargo Bank, National Association$68M13.6%1+16%
Prosperity Bank$62M12.3%1-49%
Woodforest National Bank$5M1.0%1-15%
First National Bank Texas$4M0.9%1+42%

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 Victoria-Port Lavaca market

Calhoun County is one of 3 counties that make up the Victoria-Port Lavaca, TX market, a Combined Statistical Area (ranked #201 of 293 U.S. markets by economic output). It produces 44.4% of the market’s output and holds 16.4% of its deposits.

MeasureCalhoun CountyShare of Victoria-Port Lavaca market
2024 GDP$4.2B44.4%
Deposits$501M16.4%
Population19,59916.4%

See the Victoria-Port Lavaca market in Market Intelligence →

Recruiting in Calhoun 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 Calhoun County, on a retained basis.

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