Midland-Odessa-Andrews, TX, a Combined Statistical Area, holds $13.7 billion in deposits across 21 insured institutions and 80 branches, and ranks #57 of 293 U.S. markets by economic output. Frost Bank is the largest deposit holder at 15.8% share. The top three banks hold 45% of deposits, which places the market in the Moderate band. Deposits have grown 15.5% since 2021 while the branch count fell by 5.9%.
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: 85 in 2021 to 80 in 2026. Institutions: 20 to 21. Top-three share: 38% to 45%. Average deposits per branch: $171M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Frost Bank | $2.2B | 15.8% | +32% |
| Community National Bank | $2.0B | 14.9% | +58% |
| Prosperity Bank | $2.0B | 14.6% | +8% |
| West Texas National Bank | $1.3B | 9.6% | +117% |
| Wells Fargo Bank | $1.2B | 8.7% | -26% |
| Bank of America | $1.1B | 8.0% | -9% |
| JPMorgan Chase Bank | $890M | 6.5% | +9% |
| American Momentum Bank | $582M | 4.3% | -28% |
| Southwest Bank | $539M | 3.9% | +22% |
| The First National Bank of Stanton | $328M | 2.4% | +38% |
| The National Bank of Andrews | $298M | 2.2% | +34% |
| Truist Bank | $273M | 2.0% | -3% |
| Bank of Texas | $244M | 1.8% | -4% |
| City Bank | $235M | 1.7% | +69% |
| UMB Bank | $122M | 0.9% | -51% |
| West Texas State Bank | $90M | 0.7% | no 2021 presence |
| First National Bank Texas | $85M | 0.6% | +42% |
| PNC Bank | $66M | 0.5% | -28% |
| Yoakum Bank | $61M | 0.4% | no 2021 presence |
| First Financial Bank | $57M | 0.4% | +2% |
| Maverick Bank | $25M | 0.2% | no 2021 presence |
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 | |
|---|---|---|---|---|---|
| Midland County | Texas | $36.4B | 187,855 | 52.0% | 65.5% |
| Martin County | Texas | $15.1B | 5,284 | 21.5% | 2.8% |
| Ector County | Texas | $13.8B | 173,801 | 19.6% | 29.0% |
| Andrews County | Texas | $4.7B | 18,914 | 6.8% | 2.7% |
Recruiting in the Midland-Odessa-Andrews market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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