Market Intelligence

Austin-Round Rock-San Marcos, TX

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Austin-Round Rock-San Marcos, TX

Austin-Round Rock-San Marcos, TX, a Metropolitan Statistical Area, 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 35.5% since 2020 while the branch count fell by 1.1%.

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
Total Deposits
$69.6B
#39 of 293
Deposits per Capita
$26,555
#154 of 293
Deposits per Branch
$157M
#57 of 293
Competitive structure
Insured Institutions
76
#17 of 293
Branches per 100k Pop.
16.9
#243 of 293
Median Deposits per Institution
$210M
The median deposits booked by a single institution in the market. #149 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
41.4%
of market deposits held by banks with $100M to $50B in assets. #202 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 Deposit Share: moderate
46.4%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +35.5% over 5 years
$51.3B
2020
$61.7B
2021
$70.9B
2022
$66.4B
2023
$66.9B
2024
$69.6B
2025

Branches: 447 in 2020 to 442 in 2025. Institutions: 70 to 76. Top-three share: 51.4% to 46.4%. Deposits per branch: $157M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
JPMorgan Chase Bank$12.3B17.7%51+33%
Texas Capital Bank$10.2B14.7%1+634%
Wells Fargo Bank$9.7B13.9%54-4%
Bank of America$7.4B10.6%31+5%
Frost Bank$5.1B7.3%26+26%
PNC Bank$2.2B3.2%25-30%
Horizon Bank$1.8B2.6%2+59%
PlainsCapital Bank$1.6B2.3%3+33%
Prosperity Bank$1.3B1.8%18+10%
The First National Bank of Bastrop$0.9B1.3%6+49%
SouthState Bank$877M1.3%60%
Comerica Bank$865M1.2%10-20%
Frontier Bank of Texas$814M1.2%9+121%
First Texas Bank$806M1.2%7+16%
Regions Bank$791M1.1%8+30%
Keystone Bank, SSB$787M1.1%2+281%
Broadway National Bank$734M1.1%7+92%
American Bank of Commerce$734M1.1%5+14%
R Bank$694M1.0%7+47%
VeraBank$618M0.9%7+121%
Texas Partners Bank$573M0.8%2no 2020 presence
First United Bank and Trust Company$556M0.8%4+80%
Truist Bank$527M0.8%12-9%
Cadence Bank$509M0.7%10+19%
Austin Capital Bank SSB$431M0.6%1+153%
International Bank of Commerce$423M0.6%10+18%
Susser Bank$399M0.6%2+405%
First-Citizens Bank & Trust Company$387M0.6%4+62%
Bank OZK$382M0.5%4+18%
First-Lockhart National Bank$341M0.5%4+20%
SouthStar Bank, S.S.B.$304M0.4%6+88%
Sunflower Bank$300M0.4%3no 2020 presence
First American Trust, FSB$278M0.4%1no 2020 presence
Round Top State Bank$265M0.4%3+72%
Citizens National Bank$263M0.4%5+46%
Texas Regional Bank$253M0.4%5+187%
Sage Capital Bank$224M0.3%4+50%
Central National Bank$211M0.3%1+170%
The City National Bank of Taylor$209M0.3%1+8%
Security State Bank & Trust$202M0.3%5+36%
Benchmark Bank$196M0.3%3+29%
Ozona Bank$165M0.2%4+9%
American Bank$164M0.2%1+26%
Third Coast Bank$154M0.2%2no 2020 presence
Southside Bank$122M0.2%2+55%
Amarillo National Bank$110M0.2%1+118%
Guaranty Bank & Trust$102M0.1%4+31%
Classic Bank$90M0.1%2+84%
PrimeBank of Texas$89M0.1%1no 2020 presence
Centennial Bank$85M0.1%2no 2020 presence
Woodforest National Bank$74M0.1%12+25%
Washington Federal Bank$72M0.1%1no 2020 presence
First National Bank Texas$72M0.1%11+90%
Encore Bank$69M0.1%1no 2020 presence
Vista Bank$67M0.1%1+60%
The Northern Trust Company$58M0.1%1+198%
The Moody National Bank$56M0.1%1+12%
Cornerstone Capital Bank, SSB$50M0.1%1+42%
Rio Bank$49M0.1%1no 2020 presence
Alliance Bank Central Texas$49M0.1%1no 2020 presence
The First National Bank of Sonora$45M0.1%2+349%
The Granger National Bank$42M0.1%1+47%
Schertz Bank & Trust$42M0.1%1+67%
Zions Bancorporation$38M0.1%1+95%
Southwestern National Bank$37M0.1%1+126%
Anthem Bank & Trust$36M0.1%1+66%
NBH Bank$35M0.1%1+16%
Extraco Banks$34M0.0%1-30%
Citizens State Bank of Luling$33M0.0%1+6%
Jefferson Bank$32M0.0%1no 2020 presence
TrustTexas Bank, SSB$18M0.0%1+21%
Citizens State Bank$13M0.0%1no 2020 presence
Falcon International Bank$12M0.0%1+38%
Security Bank of Texas$4M0.0%1no 2020 presence
Hancock Whitney Bank$2M0.0%1no 2020 presence
CIBC National Trust Company$0M0.0%1no 2020 presence

The 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. 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 2020 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%73.2%
Williamson CountyTexas$35.0B752,82716.1%18.3%
Hays CountyTexas$11.7B304,3905.4%4.9%
Bastrop CountyTexas$3.3B118,9081.5%2.8%
Caldwell CountyTexas$1.2B55,1500.6%0.7%

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.