Austin-Round Rock-San Marcos, TX holds $69.6 billion in deposits across 76 insured institutions and 442 branches, ranking #22 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 17.7% share. The top three institutions hold 46.4% of deposits, which places the market in the moderate band. Deposits have grown 36% since 2020 while the branch count fell by 5.
Deposit trend
Branches: 447 in 2020 to 442 in 2025. Institutions: 70 to 76. Top-three share: 51.4% to 46.4%. Deposits per branch: $157M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| JPMorgan Chase Bank | 12.3B | 17.7% | +32% |
| Texas Capital Bank | 10.2B | 14.7% | +634% |
| Wells Fargo Bank | 9.7B | 13.9% | -4% |
| Bank of America | 7.4B | 10.6% | +5% |
| Frost Bank | 5.1B | 7.3% | +26% |
| PNC Bank | 2.2B | 3.2% | new since 2020 |
| Horizon Bank | 1.8B | 2.6% | +59% |
| PlainsCapital Bank | 1.6B | 2.3% | +33% |
| Prosperity Bank | 1.3B | 1.8% | +10% |
| The First National Bank of Bastrop | 0.9B | 1.3% | +49% |
The 10 largest of 76 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Travis County | Texas | $165,672M | 1,389,670 | 76.4% |
| Williamson County | Texas | $34,985M | 752,827 | 16.1% |
| Hays County | Texas | $11,727M | 304,390 | 5.4% |
| Bastrop County | Texas | $3,344M | 118,908 | 1.5% |
| Caldwell County | Texas | $1,215M | 55,150 | 0.6% |
Recruiting in Austin
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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 this one, on a retained basis.
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