Market Intelligence

San Antonio-New Braunfels-Kerrville, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › San Antonio-New Braunfels-Kerrville, TX

San Antonio-New Braunfels-Kerrville, TX, a Combined Statistical Area, holds $178.4 billion in deposits across 70 insured institutions and 429 branches, and ranks #35 of 293 U.S. markets by economic output. USAA Federal Savings Bank is the largest deposit holder at 51.6% share. The top three banks hold 77% of deposits, which places the market in the Concentrated band.

Economic scale
2024 Real GDP
$163.2B
#35 of 293
Population
2.90M
#25 of 293
GDP per Capita
$56,374
#116 of 293
Deposit market
Deposits (SOD, 6/30/26)
$178.4B
#21 of 293
Deposits per Capita
$61,611
#16 of 293
Deposits per Branch
$416M
#9 of 293
Competitive structure
Insured Institutions
70
#20 of 293
Branches per 100k Pop.
14.8
#263 of 293
Median Deposits per Institution
$159M
The median deposits booked by a single institution in the market. #211 of 293. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
20.2%
of market deposits held by banks with $100M to $100B in assets. #279 of 293. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
77%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

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

Market Deposits (SOD, 2021 to 2026) +3.3% over 5 years
$172.8B
2021
$190.2B
2022
$183.5B
2023
$182.3B
2024
$178.2B
2025
$178.4B
2026

Branches: 443 in 2021 to 429 in 2026. Institutions: 65 to 70. Top-three share: 78% to 77%. Average deposits per branch: $416M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
USAA Federal Savings Bank$92.0B51.6%1-9%
Citibank$31.0B17.4%1+47%
Frost Bank$13.6B7.6%37+15%
Bank of America$5.4B3.0%27-3%
Wells Fargo Bank$5.1B2.8%38-12%
JPMorgan Chase Bank$4.8B2.7%32+6%
Broadway National Bank$4.1B2.3%24+5%
PNC Bank$3.1B1.7%23+35%
Jefferson Bank$2.6B1.4%12+15%
Prosperity Bank$2.5B1.4%24+11%
First United Bank and Trust Company$1.2B0.7%9+42%
Security State Bank & Trust$1.2B0.6%12+27%
International Bank of Commerce$1.1B0.6%19+3%
Farm Bureau Bank FSB$876M0.5%1+39%
Texas Capital Bank$756M0.4%1-35%
Zions Bancorporation$728M0.4%7+6%
Vantage Bank Texas$702M0.4%3+79%
Schertz Bank & Trust$614M0.3%5+26%
TXN Bank$487M0.3%5+17%
First Commercial Bank$478M0.3%6+15%
Fifth Third Bank$420M0.2%7+7%
Centennial Bank$377M0.2%6+22%
Security State Bank$326M0.2%6+34%
Truist Bank$320M0.2%8-24%
PlainsCapital Bank$316M0.2%4+12%
BOKF$251M0.1%1no 2021 presence
Castroville State Bank$241M0.1%2+14%
Guadalupe Bank$234M0.1%2+9%
Third Coast Bank$210M0.1%2+186%
Falcon International Bank$187M0.1%2+43%
Rio Bank$181M0.1%4+38%
Sunflower Bank$176M0.1%2+52%
Bank OZK$169M0.1%1+65%
SouthTrust Bank$164M0.1%3-9%
Liberty Capital Bank$161M0.1%2+26%
Texas Regional Bank$157M0.1%5+82%
The First National Bank of Sonora$157M0.1%4+51%
Texas Community Bank$151M0.1%3+18%
Susser Bank$146M0.1%1no 2021 presence
Marion State Bank$124M0.1%1+12%
Woodforest National Bank$111M0.1%21+1%
The Falls City National Bank$106M0.1%2+9%
The Lytle State Bank of Lytle, Texas$101M0.1%1+10%
Simmons Bank$100M0.1%1-51%
Amarillo National Bank$99M0.1%1no 2021 presence
First National Bank Texas$88M<0.1%15+26%
Arrowhead Bank$86M<0.1%1+14%
Hancock Whitney Bank$86M<0.1%1no 2021 presence
American Momentum Bank$85M<0.1%2-45%
MidFirst Bank$82M<0.1%1no 2021 presence
Lone Star National Bank$80M<0.1%5+3%
Bandera Bank$79M<0.1%1+2%
Atascosa Bank$71M<0.1%1-18%
Encore Bank$71M<0.1%1no 2021 presence
Sage Capital Bank$66M<0.1%2+4%
Pinnacle Bank$54M<0.1%1-63%
SouthStar Bank, S.S.B.$52M<0.1%1no 2021 presence
Commerce Bank Texas$52M<0.1%2-4%
Texas Champion Bank$47M<0.1%3+7%
The Moody National Bank$45M<0.1%1+22%
The Bank and Trust, S.S.B.$40M<0.1%2no 2021 presence
Wallis Bank$31M<0.1%2-32%
SouthState Bank$25M<0.1%1no 2021 presence
TrustTexas Bank, SSB$23M<0.1%1+54%
First-Citizens Bank & Trust Company$23M<0.1%1no 2021 presence
Citizens State Bank of Luling$22M<0.1%1-20%
Peoples State Bank$9M<0.1%1no 2021 presence
Ozona Bank$4M<0.1%1+63%
First Lockhart Bank$1M<0.1%1no 2021 presence
Transpecos Banks, SSB$0M0.0%1no 2021 presence

The 70 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

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Bexar CountyTexas$127.6B2,160,08878.1%92.0%
Guadalupe CountyTexas$12.5B201,1117.7%1.5%
Comal CountyTexas$9.2B209,1665.6%1.9%
Atascosa CountyTexas$4.3B53,5902.6%0.4%
Kendall CountyTexas$2.7B53,2891.7%1.1%
Kerr CountyTexas$2.5B54,0371.5%1.0%
Wilson CountyTexas$1.4B56,1390.9%0.4%
Gillespie CountyTexas$1.4B28,5270.8%0.9%
Medina CountyTexas$1.2B56,8810.8%0.6%
Bandera CountyTexas$421M22,8760.3%0.2%

Recruiting in the San Antonio-New Braunfels-Kerrville market

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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.

See how we help banks recruit commercial banking talent

Other markets in Texas

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.