Kendall County, Texas, a county in the San Antonio-New Braunfels-Kerrville, TX market, holds $1.9B in deposits across 12 insured institutions and 15 branches. Frost Bank is the largest deposit holder at 41.4% share. The top three institutions hold 62.7% of deposits, which places the county in the concentrated band. Deposits have grown 40.7% since 2020. It produces $2.7B of output, ranking #807 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 15 in 2020 to 15 in 2025. Institutions: 12 to 12. Top-three share: 61.5% to 62.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Frost Bank | $800M | 41.4% | +54% |
| Wells Fargo Bank, National Association | $225M | 11.6% | +11% |
| Bank of America, National Association | $187M | 9.7% | +54% |
| Jefferson Bank | $164M | 8.5% | +53% |
| Broadway National Bank | $136M | 7.0% | +22% |
| Security State Bank & Trust | $129M | 6.7% | +74% |
| Texas Heritage Bank | $121M | 6.2% | +34% |
| The First National Bank of Sonora | $98M | 5.1% | +98% |
| PNC Bank, National Association | $39M | 2.0% | +7% |
| Centennial Bank | $22M | 1.2% | no 2020 presence |
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 San Antonio-New Braunfels-Kerrville market
Kendall County is one of 10 counties that make up the San Antonio-New Braunfels-Kerrville, TX market, a Combined Statistical Area (ranked #35 of 293 U.S. markets by economic output). It produces 1.7% of the market’s output and holds 1.1% of its deposits.
| Measure | Kendall County | Share of San Antonio-New Braunfels-Kerrville market |
|---|---|---|
| 2024 GDP | $2.7B | 1.7% |
| Deposits | $1.9B | 1.1% |
| Population | 53,289 | 1.8% |
View the full San Antonio-New Braunfels-Kerrville market profile →
Recruiting in Kendall 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 Kendall County, on a retained basis.
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