Hays County, Texas, a core county of the Austin-Round Rock-San Marcos, TX market, holds $3.4B in deposits across 22 insured institutions and 46 branches. Wells Fargo Bank is the largest deposit holder at 22.6% share. The top three banks hold 57% of deposits, which places the county in the Moderate band. Deposits have grown 21.0% since 2021 while the branch count rose by 4.5%. It produced $11.7B of real gross domestic product in 2024, ranking #326 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: 44 in 2021 to 46 in 2026. Institutions: 22 to 22. Top-three share: 56% to 57%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Wells Fargo Bank | $774M | 22.6% | +4% |
| JPMorgan Chase Bank | $599M | 17.5% | +66% |
| Frost Bank | $562M | 16.4% | +17% |
| Broadway National Bank | $311M | 9.1% | +37% |
| Bank of America | $187M | 5.5% | +6% |
| Texas Regional Bank | $173M | 5.1% | +38% |
| Ozona Bank | $165M | 4.8% | -10% |
| Sunflower Bank | $146M | 4.3% | +122% |
| Sage Capital Bank | $108M | 3.2% | +27% |
| First Lockhart Bank | $77M | 2.2% | +88% |
| Rio Bank | $49M | 1.4% | +28% |
| PNC Bank | $41M | 1.2% | -60% |
| Prosperity Bank | $41M | 1.2% | -16% |
| Schertz Bank & Trust | $38M | 1.1% | +15% |
| The First National Bank of Sonora | $36M | 1.1% | +92% |
| Security State Bank & Trust | $34M | 1.0% | +24% |
| The Huntington National Bank | $29M | 0.8% | +63% |
| TrustTexas Bank, SSB | $18M | 0.5% | -2% |
| Falcon International Bank | $13M | 0.4% | +38% |
| International Bank of Commerce | $9M | 0.3% | -24% |
| First National Bank Texas | $6M | 0.2% | +2% |
| Woodforest National Bank | $5M | 0.1% | +3% |
The 22 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
Hays 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 5.4% of the market’s output and holds 4.9% of its deposits.
| Measure | Hays County | Share of parent market |
|---|---|---|
| 2024 GDP | $11.7B | 5.4% |
| Deposits | $3.4B | 4.9% |
| Population | 304,390 | 11.6% |
View the full Austin-Round Rock-San Marcos market profile →
Recruiting in Hays 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 Hays County.
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