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Bay City, TX Metro Area Bank Deposit Market Share

Prosperity Bank holds the largest share of deposits in the Bay City, TX metro area, 60.6%, followed by The First State Bank (14.5%) and First Financial Bank (12.1%). 6 institutions hold $543.4M at 8 offices as of June 30, 2026, up 3.3% from 2025.

Institutions: 6 Offices: 8 Deposits: $543.4M Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: The First State Bank (0.71 points); International Bank of Commerce (0.32 points); First Financial Bank (0.26 points).

Lost: Prosperity Bank (-1.45 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Prosperity Bank 2 $329.3M 60.60% -1.45 pts 0.9%
2 The First State Bank 2 $78.5M 14.45% +0.71 pts 8.6%
3 First Financial Bank 1 $65.8M 12.10% +0.26 pts 5.6%
4 International Bank of Commerce 1 $55.2M 10.16% +0.32 pts 6.6%
5 Woodforest National Bank 1 $7.6M 1.40% +0.00 pts 3.6%
6 First National Bank Texas dba First Convenience Bank 1 $6.9M 1.28% +0.16 pts 17.9%

About this list

Deposits are those held at each institution's offices in Bay City, TX (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Counties in this metro area

Matagorda County, TX

Statewide deposits

Texas

Largest metro areas

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