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Caldwell County, TX Bank Deposit Market Share

First Lockhart Bank holds the largest share of deposits in Caldwell County, TX, 47.1%, followed by Sage Capital Bank (21.9%) and Bank OZK (18.0%). 6 institutions hold $558.6M at 7 offices as of June 30, 2026, up 8.3% from 2025.

Institutions: 6 Offices: 7 Deposits: $558.6M Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Sage Capital Bank (1.62 points); First National Bank Texas dba First Convenience Bank (0.14 points); Bank OZK (0.13 points).

Lost: International Bank of Commerce (-1.12 points); Citizens State Bank of Luling (-0.45 points); First Lockhart Bank (-0.33 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 First Lockhart Bank 1 $263.1M 47.09% -0.33 pts 7.6%
2 Sage Capital Bank 2 $122.6M 21.94% +1.62 pts 17.0%
3 Bank OZK 1 $100.3M 17.96% +0.13 pts 9.1%
4 International Bank of Commerce 1 $33.9M 6.07% -1.12 pts -8.5%
5 Citizens State Bank of Luling 1 $33.2M 5.94% -0.45 pts 0.8%
6 First National Bank Texas dba First Convenience Bank 1 $5.5M 0.99% +0.14 pts 25.5%

About this list

Deposits are those held at each institution's offices in Caldwell County 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.

Wider markets

Texas deposits by institution Austin-Round Rock-Georgetown, TX metro area Texas bank directory

Other counties in Texas

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