McAllen-Edinburg, TX holds $16.0 billion in deposits across 22 insured institutions and 165 branches, ranking #111 of 293 U.S. markets by economic output. Lone Star National Bank is the largest deposit holder at 15.5% share. The top three institutions hold 41.1% of deposits, which places the market in the fragmented band. Deposits have grown 30% since 2020 while the branch count rose by 6.
Deposit trend
Branches: 159 in 2020 to 165 in 2025. Institutions: 21 to 22. Top-three share: 44.1% to 41.1%. Deposits per branch: $97M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Lone Star National Bank | 2.5B | 15.5% | +28% |
| International Bank of Commerce | 2.4B | 15.1% | new since 2020 |
| Vantage Bank Texas | 1.7B | 10.5% | +34% |
| PNC Bank | 1.4B | 8.9% | new since 2020 |
| JPMorgan Chase Bank | 1.4B | 8.4% | +33% |
| Bank of America | 1.1B | 7.1% | +57% |
| Frost Bank | 0.9B | 5.6% | +31% |
| Wells Fargo Bank | 0.9B | 5.4% | +14% |
| PlainsCapital Bank | 0.8B | 5.0% | +20% |
| Texas National Bank | 0.8B | 4.8% | +141% |
The 10 largest of 22 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 |
|---|---|---|---|---|
| Hidalgo County | Texas | $24,239M | 921,549 | 95.2% |
| Starr County | Texas | $1,223M | 66,319 | 4.8% |
Recruiting in McAllen
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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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