San Antonio's banks and credit unions raked in more than $2.3 billion in new deposits last year, lifting total metro holdings above $93 billion. The growth was broad, with community lenders and large credit unions alike adding fresh balances across both commercial and consumer accounts.
Those figures come from a Business Journals data roundup that tracks deposit levels and year-over-year changes for local institutions. The San Antonio Business Journal reported the metro collected more than $93 billion in deposits in 2025, a year-over-year rise of more than $2.3 billion, and noted that Vantage Bank posted the largest dollar-value gains. Those marketplace totals line up with federal deposit tallies from the FDIC's Summary of Deposits, according to the FDIC.
Who Led the Gains
Vantage Bank's deposit base expanded notably in 2025 as the lender pushed into new product areas and partnerships that attract commercial and wholesale balances. The bank has been a visible mover on tokenized-deposit pilots and embedded-banking initiatives, which executives say broaden customer use cases; see recent announcements from Vantage Bank. State banking listings from the Texas Department of Banking put Vantage's deposit base at roughly $4.4 billion, while market stalwart Frost continues to hold the most deposits in the metro. Frost's San Antonio region represented more than $12 billion in deposit relationships last year, according to Cullen/Frost Bankers.
Credit Unions And Broader Trends
Credit unions, including Randolph-Brooks and Security Service, also added deposits as members chased higher yields and shifted money into share certificates and money market accounts, helping fuel the metro's gains. Local reporting shows RBFCU's deposits and assets climbed last year as the organization expanded membership and services, per the Express-News. Nationally, the NCUA's mid-2025 performance data documents growth in credit union shares and deposits, and the FDIC's quarterly banking profile says bank deposits have largely stabilized as institutions reprice products and public-fund flows normalize, trends that help explain the metro's modest pickup, according to the NCUA and the FDIC.
What It Means Locally
For customers, the net increase points to more local liquidity and slightly tougher competition for deposit dollars. For banks and credit unions, it provides funding that can be recycled into loans and new services. Markets remain sensitive to interest-rate moves and municipal-deposit shifts, so which institutions lead next year will come down to pricing and where big balances such as public funds decide to sit.
