Houston-Pasadena, TX holds $353.5 billion in deposits across 115 insured institutions and 1,393 branches, ranking #8 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 49.9% share. The top three institutions hold 65.6% of deposits, which places the market in the concentrated band. Deposits have grown 14% since 2020 while the branch count fell by 77.
Deposit trend
Branches: 1,470 in 2020 to 1,393 in 2025. Institutions: 106 to 115. Top-three share: 63.2% to 65.6%. Deposits per branch: $254M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| JPMorgan Chase Bank | 176.5B | 49.9% | +22% |
| Wells Fargo Bank | 31.0B | 8.8% | +14% |
| Bank of America | 24.2B | 6.9% | +2% |
| Zions Bancorporation | 13.0B | 3.7% | +12% |
| PNC Bank | 9.9B | 2.8% | new since 2020 |
| Frost Bank | 8.0B | 2.3% | +33% |
| Prosperity Bank | 6.9B | 2.0% | +1% |
| Cadence Bank | 6.3B | 1.8% | +715% |
| Woodforest National Bank | 6.0B | 1.7% | +11% |
| Stellar Bank | 5.8B | 1.6% | +26% |
The 10 largest of 115 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 |
|---|---|---|---|---|
| Harris County | Texas | $458,702M | 5,045,026 | 76.8% |
| Montgomery County | Texas | $39,558M | 781,194 | 6.6% |
| Fort Bend County | Texas | $39,054M | 975,191 | 6.5% |
| Galveston County | Texas | $20,112M | 372,207 | 3.4% |
| Brazoria County | Texas | $18,217M | 419,080 | 3.1% |
| Waller County | Texas | $4,367M | 69,858 | 0.7% |
| Chambers County | Texas | $2,889M | 57,594 | 0.5% |
| Liberty County | Texas | $2,568M | 121,364 | 0.4% |
| Washington County | Texas | $2,525M | 38,288 | 0.4% |
| Walker County | Texas | $2,436M | 83,842 | 0.4% |
| Matagorda County | Texas | $2,232M | 36,463 | 0.4% |
| Wharton County | Texas | $2,119M | 42,060 | 0.4% |
| Austin County | Texas | $1,770M | 33,625 | 0.3% |
| San Jacinto County | Texas | $394M | 29,488 | 0.1% |
Recruiting in Houston
Deposits are held closely by the largest institutions, which often means the bankers worth recruiting are inside a small number of houses. 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.
Start a confidential conversation