Midland-Odessa-Andrews, TX holds $13.7 billion in deposits across 21 insured institutions and 80 branches, ranking #57 of 293 U.S. markets by economic output. Frost Bank is the largest deposit holder at 16.7% share. The top three institutions hold 46.0% of deposits, which places the market in the moderate band. Deposits have grown 17% since 2020 while the branch count fell by 8.
Deposit trend
Branches: 88 in 2020 to 80 in 2025. Institutions: 20 to 21. Top-three share: 37.9% to 46.0%. Deposits per branch: $171M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Frost Bank | 2.3B | 16.7% | +48% |
| Prosperity Bank | 2.1B | 14.9% | +158% |
| Community National Bank | 2.0B | 14.4% | +52% |
| West Texas National Bank | 1.3B | 9.3% | +137% |
| Wells Fargo Bank | 1.2B | 8.6% | -25% |
| Bank of America | 1.1B | 8.0% | -8% |
| JPMorgan Chase Bank | 0.9B | 6.5% | +11% |
| American Momentum Bank | 0.6B | 4.2% | -43% |
| Southwest Bank | 0.6B | 4.1% | +18% |
| The First National Bank of Stanton | 0.4B | 2.7% | +70% |
The 10 largest of 21 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 |
|---|---|---|---|---|
| Midland County | Texas | $36,433M | 187,855 | 52.0% |
| Martin County | Texas | $15,077M | 5,284 | 21.5% |
| Ector County | Texas | $13,752M | 173,801 | 19.6% |
| Andrews County | Texas | $4,738M | 18,914 | 6.8% |
Recruiting in Midland
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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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