Market Intelligence

Houston-Pasadena, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Houston-Pasadena, TX

Houston-Pasadena, TX, a Combined Statistical Area, holds $365.4 billion in deposits across 113 insured institutions and 1,402 branches, and ranks #8 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 47.2% share. The top three banks hold 65% of deposits, which places the market in the Concentrated band. Deposits have grown 8.0% since 2021 while the branch count fell by 4.0%.

Economic scale
2024 Real GDP
$596.9B
#8 of 293
Population
8.11M
#8 of 293
GDP per Capita
$73,649
#22 of 293
Deposit market
Deposits (SOD, 6/30/26)
$365.4B
#13 of 293
Deposits per Capita
$45,086
#34 of 293
Deposits per Branch
$261M
#26 of 293
Competitive structure
Insured Institutions
113
#9 of 293
Branches per 100k Pop.
17.3
#239 of 293
Median Deposits per Institution
$426M
The median deposits booked by a single institution in the market. #36 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
25.7%
of market deposits held by banks with $100M to $100B in assets. #272 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: Concentrated
65%
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) +8.0% over 5 years
$338.5B
2021
$379.8B
2022
$329.0B
2023
$319.3B
2024
$353.5B
2025
$365.4B
2026

Branches: 1,460 in 2021 to 1,402 in 2026. Institutions: 107 to 113. Top-three share: 64% to 65%. Average deposits per branch: $261M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
JPMorgan Chase Bank$172.3B47.2%155+10%
Wells Fargo Bank$41.5B11.4%136+27%
Bank of America$24.0B6.6%99-9%
Zions Bancorporation$13.5B3.7%58-2%
PNC Bank$10.4B2.8%82-31%
Frost Bank$8.3B2.3%62+4%
The Huntington National Bank$7.6B2.1%40-24%
Prosperity Bank$7.4B2.0%65-4%
Stellar Bank$5.8B1.6%35-19%
Woodforest National Bank$5.7B1.6%115-9%
Capital One$4.7B1.3%8-25%
Third Coast Bank$4.1B1.1%7+246%
Truist Bank$3.9B1.1%20+78%
Fifth Third Bank$3.7B1.0%42+4%
East West Bank$3.4B0.9%9+231%
Texas Capital Bank$3.3B0.9%2-8%
BOKF$3.1B0.9%12+47%
Regions Bank$2.5B0.7%47+37%
Texas First Bank$1.9B0.5%24+12%
Origin Bank$1.7B0.5%11+57%
Wells Fargo Bank South Central$1.7B0.5%1-62%
SouthState Bank$1.7B0.5%13-8%
First Horizon Bank$1.6B0.4%5-7%
First Financial Bank$1.5B0.4%14+27%
Central Bank$1.3B0.3%4+61%
The Moody National Bank$1.2B0.3%12-2%
American First National Bank$1.2B0.3%6+22%
Hancock Whitney Bank$1.0B0.3%5+28%
Golden Bank$995M0.3%3+32%
Cornerstone Capital Bank, SSB$968M0.3%1no 2021 presence
Wallis Bank$920M0.3%8+17%
International Bank of Commerce$896M0.2%10-5%
HomeTown Bank$891M0.2%7+19%
Bank OZK$811M0.2%8+123%
First Liberty Bank$755M0.2%10+9%
PlainsCapital Bank$677M0.2%6+16%
First National Bank Texas$655M0.2%63+14%
MidFirst Bank$652M0.2%8no 2021 presence
NewFirst National Bank$645M0.2%7+7%
Simmons Bank$645M0.2%8-14%
The Northern Trust Company$643M0.2%3-10%
Texas Gulf Bank$639M0.2%9+9%
Capital Bank$609M0.2%9+22%
Southwestern National Bank$602M0.2%2+67%
Trustmark Bank$599M0.2%12-16%
Susser Bank$543M0.1%1no 2021 presence
City Bank$535M0.1%2+67%
b1BANK$530M0.1%5+17%
Plains State Bank$529M0.1%6+10%
The First State Bank$522M0.1%9+18%
Texas Traditions Bank$500M0.1%2no 2021 presence
Gulf Capital Bank$497M0.1%1+114%
Citizens State Bank$457M0.1%1+46%
Vantage Bank Texas$430M0.1%1no 2021 presence
First State Bank$429M0.1%3+82%
Austin County State Bank$428M0.1%3+86%
Citizens State Bank$426M0.1%2+52%
VeraBank$379M0.1%3+170%
The Brenham National Bank$379M0.1%2+24%
First National Bank of Huntsville$329M0.1%1+1%
Home Bank$322M0.1%6-11%
The MINT National Bank$306M0.1%1+11%
Integrity Bank SSB$292M0.1%1no 2021 presence
Southside Bank$287M0.1%4+34%
Global One Bank$275M0.1%2+488%
Anahuac National Bank$255M0.1%5-4%
First-Citizens Bank & Trust Company$245M0.1%2+157%
Glacier Bank$224M0.1%4-1%
Austin Bank, Texas$218M0.1%6+88%
First National Bank of Lake Jackson$211M0.1%2-16%
Sunflower Bank$197M0.1%5-30%
Monet Bank$197M0.1%1+93%
Unity National Bank of Houston$193M0.1%2+6%
State Bank of Texas$186M0.1%1+156%
Cathay Bank$176M<0.1%1+3%
Texas Advantage Community Bank$170M<0.1%2+9%
Citizens State Bank$168M<0.1%1no 2021 presence
Lone Star Bank$156M<0.1%3+33%
Investar Bank$145M<0.1%3+1%
SouthTrust Bank$132M<0.1%3+72%
Peoples State Bank$126M<0.1%2+7%
Preferred Bank$123M<0.1%1+22,329%
Agility Bank$120M<0.1%1no 2021 presence
Bank of Hope$119M<0.1%2+35%
T Bank$111M<0.1%1no 2021 presence
Hanmi Bank$103M<0.1%2-10%
Texas Regional Bank$84M<0.1%4no 2021 presence
Commerce Bank$72M<0.1%1+434%
SouthStar Bank, S.S.B.$64M<0.1%1-16%
First State Bank of Texas$64M<0.1%2no 2021 presence
Benchmark Bank$62M<0.1%1+124%
One World Bank$58M<0.1%1+325%
Grand Bank$46M<0.1%1no 2021 presence
Metro City Bank$41M<0.1%1+260%
Bank of the Orient$38M<0.1%2no 2021 presence
The Bank of San Jacinto County, Coldspring, Texas$35M<0.1%1-17%
The First National Bank of Eagle Lake$29M<0.1%1+59%
First State Bank of Livingston$26M<0.1%1-16%
Citizens National Bank$25M<0.1%1no 2021 presence
Yoakum Bank$24M<0.1%1no 2021 presence
PromiseOne Bank$23M<0.1%1-7%
Citizens Bank$21M<0.1%2-42%
ValueBank Texas$21M<0.1%1+55%
BOM Bank$20M<0.1%1no 2021 presence
U.S. Bank$17M<0.1%1no 2021 presence
Brazos National Bank$11M<0.1%1-41%
The First National Bank of Trinity$10M<0.1%1-4%
First Community Bank$9M<0.1%1no 2021 presence
Houston Bank & Trust$3M<0.1%1no 2021 presence
The Bank of New York Mellon Trust Company$0M0.0%1no 2021 presence
The Bank of New York Mellon$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 113 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
Harris CountyTexas$458.7B5,045,02676.8%83.0%
Montgomery CountyTexas$39.6B781,1946.6%5.0%
Fort Bend CountyTexas$39.1B975,1916.5%5.7%
Galveston CountyTexas$20.1B372,2073.4%1.9%
Brazoria CountyTexas$18.2B419,0803.1%1.8%
Waller CountyTexas$4.4B69,8580.7%0.1%
Chambers CountyTexas$2.9B57,5940.5%0.2%
Liberty CountyTexas$2.6B121,3640.4%0.4%
Washington CountyTexas$2.5B38,2880.4%0.5%
Walker CountyTexas$2.4B83,8420.4%0.3%
Matagorda CountyTexas$2.2B36,4630.4%0.1%
Wharton CountyTexas$2.1B42,0600.4%0.5%
Austin CountyTexas$1.8B33,6250.3%0.5%
San Jacinto CountyTexas$394M29,4880.1%0.1%

Recruiting in the Houston-Pasadena market

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 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.