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 45 branches. Wells Fargo Bank, National Association is the largest deposit holder at 21.9% share. The top three institutions hold 55.9% of deposits, which places the county in the moderately concentrated band. Deposits have grown 48.3% since 2020 while the branch count rose by 1. It produces $11.7B of output, ranking #326 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 44 in 2020 to 45 in 2025. Institutions: 22 to 22. Top-three share: 56.3% to 55.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank, National Association | $751M | 21.9% | +16% |
| Frost Bank | $583M | 17.0% | +53% |
| JPMorgan Chase Bank, National Association | $582M | 17.0% | +115% |
| Broadway National Bank | $314M | 9.2% | +66% |
| Bank of America, National Association | $186M | 5.4% | +22% |
| Texas Regional Bank | $185M | 5.4% | +171% |
| Ozona Bank | $165M | 4.8% | +9% |
| Sunflower Bank, National Association | $149M | 4.3% | no 2020 presence |
| Sage Capital Bank, | $109M | 3.2% | +86% |
| First-Lockhart National Bank | $55M | 1.6% | -1% |
The 10 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 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 Austin-Round Rock-San Marcos 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, on a retained basis.
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