Laredo, TX holds $8.4 billion in deposits across 10 insured institutions and 54 branches, ranking #168 of 293 U.S. markets by economic output. International Bank of Commerce is the largest deposit holder at 35.1% share. The top three institutions hold 65.7% of deposits, which places the market in the concentrated band. Deposits have grown 12% since 2020 while the branch count fell by 4.
Deposit trend
Branches: 58 in 2020 to 54 in 2025. Institutions: 10 to 10. Top-three share: 70.9% to 65.7%. Deposits per branch: $156M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| International Bank of Commerce | 3.0B | 35.1% | +33% |
| Texas Community Bank | 1.4B | 16.2% | +38% |
| Falcon International Bank | 1.2B | 14.5% | +39% |
| PNC Bank | 1.1B | 13.0% | new since 2020 |
| Commerce Bank | 0.7B | 7.9% | +50% |
| Wells Fargo Bank | 0.4B | 4.7% | -0% |
| JPMorgan Chase Bank | 0.3B | 3.2% | +56% |
| Bank of America | 0.2B | 2.8% | +49% |
| Vantage Bank Texas | 0.2B | 2.2% | +66% |
| First National Bank Texas | 0.0B | 0.5% | +65% |
All 10 insured institutions with a branch presence in this market, 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 |
|---|---|---|---|---|
| Webb County | Texas | $13,161M | 281,224 | 100.0% |
Recruiting in Laredo
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.
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