Explore the banking institutions serving the Austin commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Austin, by Assets
Institutions headquartered in the Austin metro. Ranked by total (bank-wide) assets — not a measure of Austin-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Horizon Bank, SSB | $2.55bn |
| 2 | First Texas Bank | $1.31bn |
| 3 | The First National Bank of Bastrop | $1.18bn |
| 4 | Frontier Bank of Texas | $1.08bn |
| 5 | R Bank | $1.03bn |
| 6 | First Lockhart Bank | $0.42bn |
| 7 | Austin Capital Bank SSB | $0.40bn |
| 8 | PrimeBank of Texas | $0.28bn |
| 9 | The City National Bank of Taylor | $0.25bn |
| 10 | Citizens State Bank of Luling | $0.07bn |
| 11 | The Granger National Bank | $0.05bn |
Largest CRE Books, Headquartered in Austin
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | Horizon Bank, SSB | $0.62bn |
| 2 | R Bank | $0.26bn |
| 3 | Frontier Bank of Texas | $0.25bn |
| 4 | The First National Bank of Bastrop | $0.24bn |
| 5 | First Texas Bank | $0.24bn |
| 6 | First Lockhart Bank | $0.14bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Austin, by Deposits
Institutions with at least one Austin branch. Ranked by deposits actually booked at a Austin office — real local presence, unlike the assets table above.
| # | Institution | Austin deposits | Austin branches | Largest office |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $12.34bn | 51 | 20% |
| 2 | Wells Fargo Bank, National Association | $9.68bn | 54 | 20% |
| 3 | Bank of America, National Association | $7.36bn | 31 | 15% |
| 4 | Frost Bank | $5.05bn | 26 | 26% |
| 5 | PNC Bank, National Association | $2.23bn | 25 | 15% |
| 6 | Horizon Bank, SSB | $1.83bn | 2 | 90% |
| 7 | PlainsCapital Bank | $1.60bn | 3 | 50% |
| 8 | Prosperity Bank | $1.26bn | 18 | 22% |
| 9 | The First National Bank of Bastrop | $0.92bn | 6 | 54% |
| 10 | SouthState Bank, National Association | $0.88bn | 6 | 37% |
| 11 | Comerica Banknow Fifth Third Bank, National Association | $0.87bn | 10 | 61% |
| 12 | Frontier Bank of Texas | $0.81bn | 9 | 44% |
| 13 | First Texas Bank | $0.81bn | 7 | 37% |
| 14 | Regions Bank | $0.79bn | 8 | 49% |
| 15 | Keystone Bank, SSBnow Third Coast Bank | $0.79bn | 2 | 85% |
Texas Capital Bank, headquartered in Dallas, reports $10.23B of deposits at a single Austin office, 39% of its total deposits, and is not ranked here. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Austin Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Austin branches | Austin deposits |
|---|---|---|---|
| 1 | Wells Fargo Bank, National Association | 54 | $9.68bn |
| 2 | JPMorgan Chase Bank, National Association | 51 | $12.34bn |
| 3 | Bank of America, National Association | 31 | $7.36bn |
| 4 | Frost Bank | 26 | $5.05bn |
| 5 | PNC Bank, National Association | 25 | $2.23bn |
| 6 | Prosperity Bank | 18 | $1.26bn |
| 7 | Woodforest National Bank | 12 | $0.07bn |
| 8 | Truist Bank | 12 | $0.53bn |
| 9 | First National Bank Texas | 11 | $0.07bn |
| 10 | Cadence Banknow The Huntington National Bank | 10 | $0.51bn |
| 11 | International Bank of Commerce | 10 | $0.42bn |
| 12 | Comerica Banknow Fifth Third Bank, National Association | 10 | $0.87bn |
| 13 | Frontier Bank of Texas | 9 | $0.81bn |
| 14 | Regions Bank | 8 | $0.79bn |
| 15 | First Texas Bank | 7 | $0.81bn |
Texas Capital Bank, headquartered in Dallas, reports $10.23B of deposits at a single Austin office, 39% of its total deposits, and is not ranked here.
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Austin, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Austin-Round Rock-San Marcos MSA (FDIC MSA code 12420) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Austin MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Austin branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Austin presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.