Market Intelligence

Austin-Round Rock-San Marcos, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Austin-Round Rock-San Marcos, TX

Austin-Round Rock-San Marcos, TX, a Metropolitan Statistical Area, holds $70.4 billion in deposits across 73 insured institutions and 450 branches, and ranks #22 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 18.1% share. The top three banks hold 47% of deposits, which places the market in the Moderate band. Deposits have grown 14.1% since 2021 while the branch count rose by 1.4%.

Economic scale
2024 Real GDP
$216.9B
#22 of 293
Population
2.62M
#31 of 293
GDP per Capita
$82,773
#9 of 293
Deposit market
Deposits (SOD, 6/30/26)
$70.4B
#39 of 293
Deposits per Capita
$26,865
#157 of 293
Deposits per Branch
$156M
#63 of 293
Competitive structure
Insured Institutions
73
#17 of 293
Branches per 100k Pop.
17.2
#242 of 293
Median Deposits per Institution
$230M
The median deposits booked by a single institution in the market. #131 of 293. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
49.3%
of market deposits held by banks with $100M to $100B in assets. #191 of 293. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Moderate
47%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Market Deposits (SOD, 2021 to 2026) +14.1% over 5 years
$61.7B
2021
$70.9B
2022
$66.4B
2023
$66.9B
2024
$69.6B
2025
$70.4B
2026

Branches: 444 in 2021 to 450 in 2026. Institutions: 68 to 73. Top-three share: 51% to 47%. Average deposits per branch: $156M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
JPMorgan Chase Bank$12.8B18.1%52+10%
Wells Fargo Bank$10.4B14.8%55-10%
Texas Capital Bank$9.7B13.8%1+373%
Bank of America$7.2B10.3%31-12%
Frost Bank$5.2B7.5%30+6%
PNC Bank$2.3B3.2%25-34%
Prosperity Bank$2.0B2.9%21+8%
Horizon Bank, SSB$2.0B2.8%2+19%
PlainsCapital Bank$1.5B2.2%3+4%
The First National Bank of Bastrop$1.0B1.5%6+37%
SouthState Bank$952M1.4%6-10%
Frontier Bank of Texas$904M1.3%9+89%
Fifth Third Bank$809M1.1%10-24%
First Texas Bank$800M1.1%7-3%
R Bank$731M1.0%6+24%
Third Coast Bank$696M1.0%4+119%
VeraBank$677M1.0%8+60%
Broadway National Bank$667M0.9%6+43%
American Bank of Commerce$654M0.9%4-18%
Regions Bank$631M0.9%8-11%
First United Bank and Trust Company$612M0.9%4+75%
Truist Bank$572M0.8%12-9%
The Huntington National Bank$447M0.6%10-10%
International Bank of Commerce$413M0.6%10-7%
Susser Bank$407M0.6%2+470%
Bank OZK$401M0.6%6+33%
First-Citizens Bank & Trust Company$399M0.6%4+47%
First Lockhart Bank$371M0.5%4+18%
SouthStar Bank, S.S.B.$322M0.5%6+17%
Austin Capital Bank SSB$308M0.4%1-12%
Sunflower Bank$286M0.4%3-42%
Citizens National Bank$279M0.4%5+12%
Round Top State Bank$268M0.4%3+22%
Central National Bank$235M0.3%2+224%
First American Trust, FSB$234M0.3%1no 2021 presence
Sage Capital Bank$231M0.3%3+16%
Texas Regional Bank$230M0.3%5+56%
The City National Bank of Taylor$221M0.3%1-3%
Benchmark Bank$220M0.3%3+24%
Security State Bank & Trust$185M0.3%5-4%
NBH Bank$168M0.2%2+31%
Ozona Bank$165M0.2%4-10%
Southside Bank$138M0.2%2+45%
Amarillo National Bank$104M0.1%1+128%
Citizens State Bank$100M0.1%1no 2021 presence
PrimeBank of Texas$100M0.1%1no 2021 presence
Classic Bank$94M0.1%2+30%
Glacier Bank$94M0.1%4+35%
The Northern Trust Company$90M0.1%1+251%
Centennial Bank$88M0.1%2+263%
Encore Bank$84M0.1%1no 2021 presence
First National Bank Texas$78M0.1%12+48%
Woodforest National Bank$74M0.1%12-2%
WaFd Bank$70M0.1%1no 2021 presence
Cornerstone Capital Bank, SSB$52M0.1%1+27%
Alliance Bank Central Texas$49M0.1%1no 2021 presence
Rio Bank$49M0.1%1-64%
The Granger National Bank$47M0.1%1+37%
The Moody National Bank$47M0.1%1-16%
The First National Bank of Sonora$45M0.1%2+142%
Zions Bancorporation$45M0.1%1+73%
Schertz Bank & Trust$38M0.1%1+15%
Southwestern National Bank$34M<0.1%1+88%
Citizens State Bank of Luling$33M<0.1%1-4%
Anthem Bank & Trust$32M<0.1%1+11%
Extraco Banks$30M<0.1%1-37%
Jefferson Bank$26M<0.1%1no 2021 presence
Security Bank of Texas$24M<0.1%1no 2021 presence
TrustTexas Bank, SSB$18M<0.1%1-2%
Woori America Bank$18M<0.1%1no 2021 presence
Falcon International Bank$13M<0.1%1+38%
Hancock Whitney Bank$4M<0.1%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 73 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Travis CountyTexas$165.7B1,389,67076.4%72.8%
Williamson CountyTexas$35.0B752,82716.1%18.4%
Hays CountyTexas$11.7B304,3905.4%4.9%
Bastrop CountyTexas$3.3B118,9081.5%3.1%
Caldwell CountyTexas$1.2B55,1500.6%0.8%

Recruiting in the Austin-Round Rock-San Marcos market

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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.

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Other markets in Texas

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.