McAllen-Edinburg, TX, a Combined Statistical Area, holds $16.7 billion in deposits across 21 insured institutions and 167 branches, and ranks #111 of 293 U.S. markets by economic output. Lone Star National Bank is the largest deposit holder at 15.0% share. The top three banks hold 40% of deposits, which places the market in the Fragmented band. Deposits have grown 18.1% since 2021 while the branch count rose by 3.1%.
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
Branches: 162 in 2021 to 167 in 2026. Institutions: 21 to 21. Top-three share: 43% to 40%. Average deposits per branch: $100M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Lone Star National Bank | $2.5B | 15.0% | +16% |
| International Bank of Commerce | $2.5B | 14.9% | no 2021 presence |
| Vantage Bank Texas | $1.7B | 10.4% | +17% |
| PNC Bank | $1.5B | 8.8% | -21% |
| JPMorgan Chase Bank | $1.4B | 8.4% | +18% |
| Bank of America | $1.2B | 7.2% | +43% |
| Texas National Bank | $967M | 5.8% | +79% |
| Wells Fargo Bank | $942M | 5.6% | +8% |
| Frost Bank | $914M | 5.5% | +18% |
| PlainsCapital Bank | $806M | 4.8% | +4% |
| Rio Bank | $763M | 4.6% | +31% |
| Texas Regional Bank | $758M | 4.5% | +44% |
| Freedom Bank | $187M | 1.1% | +617% |
| International Bank of Commerce | $152M | 0.9% | +23% |
| Greater State Bank | $130M | 0.8% | +68% |
| Bank of South Texas | $85M | 0.5% | +15% |
| First Community Bank | $70M | 0.4% | +78% |
| Falcon International Bank | $68M | 0.4% | +44% |
| First National Bank Texas | $34M | 0.2% | +31% |
| Texas Community Bank | $24M | 0.1% | -30% |
| International Bank of Commerce | $0M | 0.0% | -100% |
The 21 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Hidalgo County | Texas | $24.2B | 921,549 | 95.2% | 96.1% |
| Starr County | Texas | $1.2B | 66,319 | 4.8% | 3.9% |
Recruiting in the McAllen-Edinburg market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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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