Market Intelligence

Harris County, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Houston-Pasadena, TX › Harris County

Harris County, Texas, a core county of the Houston-Pasadena, TX market, holds $303.5B in deposits across 87 insured institutions and 857 branches. JPMorgan Chase Bank is the largest deposit holder at 53.2% share. The top three banks hold 71% of deposits, which places the county in the Concentrated band. Deposits have grown 7.9% since 2021 while the branch count fell by 6.8%. It produced $458.7B of real gross domestic product in 2024, ranking #3 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$458.7B
#3 of 1,523
Population
5,045,026
#3 of 1,523
GDP per Capita
$90,922
#78 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$303.5B
#12 of 1,523
Deposits per Capita
$60,154
#64 of 1,523
Deposits per Branch
$354M
#34 of 1,523
Competitive structure
Insured Institutions
87
#4 of 1,523
Branches per 100k Pop.
17.0
#1,189 of 1,523
Median Deposits per Institution
$430M
The median deposits booked by a single institution in the county. #65 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
20.5%
of county deposits held by banks with $100M to $100B in assets. #1,420 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: Concentrated
71%
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, 2021 to 2026)+7.9% over 5 years
$281.2B
2021
$318.6B
2022
$271.0B
2023
$261.7B
2024
$293.7B
2025
$303.5B
2026

Branches: 920 in 2021 to 857 in 2026. Institutions: 78 to 87. Top-three share: 69% to 71%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$161.6B53.2%112+10%
Wells Fargo Bank$34.1B11.2%91+32%
Bank of America$18.8B6.2%72-9%
Zions Bancorporation$9.8B3.2%34-9%
PNC Bank$7.9B2.6%47-37%
Frost Bank$6.4B2.1%46-4%
The Huntington National Bank$6.3B2.1%25-19%
Stellar Bank$4.9B1.6%25-23%
Third Coast Bank$3.9B1.3%3+275%
Truist Bank$3.7B1.2%16+82%
Capital One$3.6B1.2%5-21%
Prosperity Bank$3.4B1.1%33-3%
Texas Capital Bank$3.3B1.1%2-8%
Fifth Third Bank$2.9B1.0%33-5%
BOKF$2.6B0.8%8+50%
East West Bank$2.5B0.8%7+202%
Regions Bank$1.7B0.6%27+40%
Wells Fargo Bank South Central$1.7B0.6%1-62%
First Horizon Bank$1.5B0.5%4-8%
Origin Bank$1.5B0.5%9+51%
Woodforest National Bank$1.4B0.5%63-4%
Central Bank$1.3B0.4%4+61%
SouthState Bank$1.1B0.4%9-18%
Cornerstone Capital Bank, SSB$968M0.3%1no 2021 presence
Hancock Whitney Bank$944M0.3%4+29%
American First National Bank$911M0.3%4+38%
Golden Bank$830M0.3%2+31%
International Bank of Commerce$808M0.3%7-2%
Bank OZK$776M0.3%7+113%
PlainsCapital Bank$653M0.2%5+16%
The Northern Trust Company$643M0.2%3-10%
MidFirst Bank$554M0.2%7no 2021 presence
Wallis Bank$545M0.2%4-1%
Susser Bank$543M0.2%1no 2021 presence
City Bank$535M0.2%2+67%
Southwestern National Bank$532M0.2%1+73%
Texas First Bank$514M0.2%5+16%
Trustmark Bank$510M0.2%8-14%
Texas Traditions Bank$500M0.2%2no 2021 presence
Plains State Bank$500M0.2%3+7%
Gulf Capital Bank$497M0.2%1+114%
Capital Bank$480M0.2%7+20%
b1BANK$452M0.1%4+14%
Vantage Bank Texas$430M0.1%1no 2021 presence
First National Bank Texas$351M0.1%42+11%
The MINT National Bank$306M0.1%1+11%
Integrity Bank SSB$292M0.1%1no 2021 presence
Simmons Bank$276M0.1%2+20%
Texas Gulf Bank$235M0.1%3+24%
Monet Bank$197M0.1%1+93%
State Bank of Texas$186M0.1%1+156%
Home Bank$181M0.1%4+71%
The Moody National Bank$177M0.1%4+14%
Cathay Bank$176M0.1%1+3%
Unity National Bank of Houston$176M0.1%1+41%
First-Citizens Bank & Trust Company$163M0.1%1+144%
Glacier Bank$161M0.1%30%
Austin Bank, Texas$134M<0.1%3+34%
Lone Star Bank$133M<0.1%2+14%
SouthTrust Bank$130M<0.1%2+69%
Agility Bank$120M<0.1%1no 2021 presence
Sunflower Bank$119M<0.1%1-12%
Bank of Hope$119M<0.1%2+35%
HomeTown Bank$113M<0.1%1no 2021 presence
T Bank$111M<0.1%1no 2021 presence
Hanmi Bank$103M<0.1%2-10%
Global One Bank$92M<0.1%1no 2021 presence
Commerce Bank$72M<0.1%1+434%
Benchmark Bank$62M<0.1%1+124%
One World Bank$58M<0.1%1+325%
Texas Regional Bank$57M<0.1%2no 2021 presence
Grand Bank$46M<0.1%1no 2021 presence
Metro City Bank$41M<0.1%1+260%
Investar Bank$40M<0.1%1+2%
Southside Bank$34M<0.1%1+27%
First State Bank of Texas$29M<0.1%1no 2021 presence
First Liberty Bank$24M<0.1%1+11%
PromiseOne Bank$23M<0.1%1-7%
First Financial Bank$23M<0.1%1+15%
U.S. Bank$17M<0.1%1no 2021 presence
Citizens Bank$12M<0.1%1-58%
Houston Bank & Trust$3M<0.1%1no 2021 presence
Bank of the Orient$1M<0.1%1no 2021 presence
The Bank of New York Mellon Trust Company$0M0.0%1no 2021 presence
The Bank of New York Mellon$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 87 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 Houston-Pasadena market

Harris County is one of 14 counties that make up the Houston-Pasadena, TX market, a Combined Statistical Area (ranked #8 of 293 U.S. markets by economic output). It produces 76.8% of the market’s output and holds 83.0% of its deposits.

MeasureHarris CountyShare of parent market
2024 GDP$458.7B76.8%
Deposits$303.5B83.0%
Population5,045,02662.2%

View the full Houston-Pasadena market profile →

Recruiting in Harris 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 Harris County.

See how we help banks recruit commercial banking talent

Other counties in the Houston-Pasadena market

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.