Bank branches in the Austin metro held $64.8 billion in deposits on June 30, 2025 and $66.2 billion a year later. The metro grew $1.3 billion. The institutions that gained took in $2.6 billion. The institutions that lost gave up $1.3 billion. Twice the metro's growth moved into somebody's branches, and most of it came out of somebody else's.
That is the number a growth leader needs before the 2027 plan is set, and almost nobody puts it in the plan. The plan says the market grew 2 percent. The branch file says the market changed hands at twice that rate.
Where the number comes from
Every FDIC-insured bank reports deposits for every office it operates as of June 30, and the FDIC publishes the whole file each September. The 2026 survey came out September 18 and covers more than 75,000 offices at more than 4,200 banks. We pulled the 2025 and 2026 files, summed deposits by institution inside each of the 393 metro areas, and set the two years side by side.
Two adjustments, both of which matter. We left out main offices, because a bank's head office books deposits gathered everywhere, and that would make a national lender look like the biggest branch in town. And we mapped 162 institutions that were absorbed by acquisition during the year onto their acquirer, so a merger does not read as money leaving one bank's branches for another's. Credit unions do not file this survey, so the read is bank deposits only. The credit union equivalent runs from NCUA share growth, institution by institution, set against the same metro's banks.
Austin: 68 institutions with at least one branch. 42 gained. 25 lost. The three largest gainers took 60 percent of the gains. The three largest losers gave up 61 percent of the losses. The rest of the field moved a little, in both directions.
It is the same in most metros
Across all 393 metro areas, branch deposits rose from $11.9 trillion to $12.4 trillion, a net gain of $550 billion. Institutions that gained took in $757 billion. Institutions that lost gave up $207 billion. In 160 of the 393 metros, the dollars that left some institution's branches were larger than the metro's net change. In the typical metro over $1 billion, 1.7 percent of all deposits left somebody's branches in twelve months.
Texas shows the range. Dallas-Fort Worth grew $48 billion, and losses there were small against that. Houston grew $13 billion while $6 billion left losing institutions. San Antonio grew $0.8 billion while $1.3 billion left losers. Austin, above, grew $1.3 billion while $1.3 billion left losers. The metro you plan in decides whether growth is mostly new money or mostly somebody else's.
What a growth leader does with it
Three things, in the order we would do them.
First, find out which column your institution is in. Not the metro total: your own branches, this year against last, next to every competitor with a branch in the same metro. If you are in the losing column, the 2027 plan has a different first page than it did.
Second, read the winners by branch. The metro number is made of branches, and the branch file says which addresses gained and which lost. A competitor that opened near you and took $80 million in a year is a fact about your market. So is a competitor that closed two offices in your county and left their customers looking.
Third, put the number in the report the CEO reads. "Deposits in our metro grew 2 percent" is a line from a chamber of commerce deck. "Deposits in our metro changed hands at twice the rate they grew, and here is what we took and what we gave up" is a line from a growth leader who knows the market better than the CEO does. That is the job.
What the file cannot tell you
It is a June 30 snapshot, so a branch that opened in July shows up a year later. It reports deposits by office, and a bank can move balances between its own offices for its own reasons, which is one more reason to read it at the institution level first and the branch level second. And it says nothing about why. Rate, a new branch, a merger that unsettled customers, a marketing push: the file records the result. The why comes from the other reads, and from knowing the market.
We run this read for any financial institution from the public files, for its own metro and the two or three it is thinking about. If you want to know which column you are in before the 2027 plan goes to the board, book a 30-minute working session and bring the metro. You keep what we find.