Kerr County, Texas, a core county of the San Antonio-New Braunfels-Kerrville, TX market, holds $1.7B in deposits across 15 insured institutions and 20 branches. Wells Fargo Bank is the largest deposit holder at 18.4% share. The top three banks hold 50% of deposits, which places the county in the Moderate band. Deposits have fallen 1.1% since 2021 while the branch count fell by 13.0%. It produced $2.5B of real gross domestic product in 2024, ranking #842 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: 23 in 2021 to 20 in 2026. Institutions: 12 to 15. Top-three share: 48% to 50%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Wells Fargo Bank | $320M | 18.4% | -13% |
| Security State Bank & Trust | $317M | 18.2% | +20% |
| Broadway National Bank | $234M | 13.5% | +42% |
| Fifth Third Bank | $204M | 11.7% | +15% |
| Centennial Bank | $196M | 11.3% | -9% |
| Guadalupe Bank | $171M | 9.8% | 0% |
| Prosperity Bank | $94M | 5.4% | -30% |
| SouthStar Bank, S.S.B. | $52M | 3.0% | no 2021 presence |
| PNC Bank | $43M | 2.5% | -30% |
| The Bank and Trust, S.S.B. | $36M | 2.1% | no 2021 presence |
| Sunflower Bank | $23M | 1.3% | -52% |
| Frost Bank | $23M | 1.3% | no 2021 presence |
| First National Bank Texas | $12M | 0.7% | +86% |
| Peoples State Bank | $9M | 0.5% | no 2021 presence |
| Texas Regional Bank | $6M | 0.3% | no 2021 presence |
The 15 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 San Antonio-New Braunfels-Kerrville market
Kerr 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 1.5% of the market’s output and holds 1.0% of its deposits.
| Measure | Kerr County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.5B | 1.5% |
| Deposits | $1.7B | 1.0% |
| Population | 54,037 | 1.9% |
View the full San Antonio-New Braunfels-Kerrville market profile →
Recruiting in Kerr 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 Kerr County.
See how we help banks recruit commercial banking talent