Market Intelligence

Cameron County, TX

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

Cameron County, Texas, a core county of the Brownsville-Harlingen-Raymondville, TX market, holds $6.3B in deposits across 18 insured institutions and 72 branches. International Bank of Commerce is the largest deposit holder at 21.4% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have grown 24.8% since 2020 while the branch count rose by 2.9%. It produces $13.6B of output, ranking #291 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$13.6B
#291 of 1,523
Population
433,946
#174 of 1,523
GDP per Capita
$31,273
#1,194 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$6.3B
#285 of 1,523
Deposits per Capita
$14,626
#1,211 of 1,523
Deposits per Branch
$88M
#767 of 1,523
Competitive structure
Insured Institutions
18
#254 of 1,523
Branches per 100k Pop.
16.6
#1,200 of 1,523
Median Deposits per Institution
$263M
The median deposits booked by a single institution in the county. #204 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
62.4%
of county deposits held by banks with $100M to $100B in assets. #936 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: Moderate
49%
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)+24.8% over 5 years
$5.1B
2020
$6.2B
2021
$6.4B
2022
$6.3B
2023
$6.0B
2024
$6.3B
2025

Branches: 70 in 2020 to 72 in 2025. Institutions: 17 to 18. Top-three share: 52% to 49%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
International Bank of Commerce$1.4B21.4%12+32%
Wells Fargo Bank$1.0B15.9%8+6%
Texas Regional Bank$740M11.7%5+119%
JPMorgan Chase Bank$559M8.8%3+19%
First Community Bank$542M8.5%7+26%
PNC Bank$518M8.2%9-25%
PlainsCapital Bank$342M5.4%5+50%
Lone Star National Bank$312M4.9%6+35%
Frost Bank$297M4.7%2+22%
Bank of America$229M3.6%2+18%
Falcon International Bank$89M1.4%1+18%
Texas National Bank$77M1.2%1no 2020 presence
First National Bank of South Padre Island$73M1.2%2+26%
Rio Bank$73M1.1%2+20%
Vantage Bank Texas$66M1.0%1+159%
Texas Community Bank$45M0.7%1-9%
Woodforest National Bank$13M0.2%3+67%
First National Bank Texas$9M0.1%2+58%

The 18 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 Brownsville-Harlingen-Raymondville market

Cameron County is one of 2 counties that make up the Brownsville-Harlingen-Raymondville, TX market, a Combined Statistical Area (ranked #162 of 293 U.S. markets by economic output). It produces 96.2% of the market’s output and holds 97.8% of its deposits.

MeasureCameron CountyShare of parent market
2024 GDP$13.6B96.2%
Deposits$6.3B97.8%
Population433,94695.6%

View the full Brownsville-Harlingen-Raymondville market profile →

Recruiting in Cameron County

Deposits are split among a moderate 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 Cameron County.

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