Midland County, Texas, a core county of the Midland-Odessa-Andrews, TX market, holds $9.1B in deposits across 15 insured institutions and 38 branches. Frost Bank is the largest deposit holder at 20.7% share. The top three institutions hold 54.4% of deposits, which places the county in the moderately concentrated band. Deposits have grown 25.6% since 2020 while the branch count fell by 7. It produces $36.4B of output, ranking #130 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 45 in 2020 to 38 in 2025. Institutions: 17 to 15. Top-three share: 46.5% to 54.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Frost Bank | $1.9B | 20.7% | +71% |
| Community National Bank | $1.8B | 20.0% | +64% |
| West Texas National Bank | $1.2B | 13.7% | +133% |
| Prosperity Bank | $1.0B | 11.1% | +212% |
| Bank of America, National Association | $906M | 9.9% | -13% |
| Wells Fargo Bank, National Association | $881M | 9.7% | -24% |
| JPMorgan Chase Bank, National Association | $436M | 4.8% | +20% |
| Bank of Texas | $247M | 2.7% | +1,087% |
| American Momentum Bank | $241M | 2.6% | -43% |
| Truist Bank | $151M | 1.6% | +7% |
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 Midland-Odessa-Andrews market
Midland County is one of 4 counties that make up the Midland-Odessa-Andrews, TX market, a Combined Statistical Area (ranked #57 of 293 U.S. markets by economic output). It produces 52.0% of the market’s output and holds 66.6% of its deposits.
| Measure | Midland County | Share of Midland-Odessa-Andrews market |
|---|---|---|
| 2024 GDP | $36.4B | 52.0% |
| Deposits | $9.1B | 66.6% |
| Population | 187,855 | 48.7% |
View the full Midland-Odessa-Andrews market profile →
Recruiting in Midland 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 Midland County, on a retained basis.
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