US Bank Directory
Banks in San Marcos, TX
13 FDIC-insured banks operate 16 offices in San Marcos, Texas, and 5 credit unions have 8 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: San Marcos
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 18 banks and credit unions operate 24 locations in San Marcos, according to the FDIC and the NCUA. 24 of them have coordinates on record and are on the map. 12 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
24 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in San Marcos
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Frost Bank has the most locations in San Marcos, with 3. It is followed by Ozona Bank (2). 11 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Frost Bank Bank · 3
Frost Bank has 3 branches in San Marcos, 222 across Texas and 222 nationwide. FDIC records list its main office in San Antonio, TX and show it operating since 1899. With $53.95 billion in total assets on June 30, 2026, it ranks No. 47 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running San Marcos location is the Guadalupe Motor Branch at 231 N Guadalupe St, dating to 1906; the newest, at 221 Wonder World Dr, to 1995. 1 of its 2 San Marcos locations with published hours open on Saturday.
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Highway 80 Branch1011 Highway 80, 78666
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Wonder World Branch221 Wonder World Dr, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun closed
Hours: Frost Bank branch locator (All The Places), checked Oct 10, 2026
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Guadalupe Motor Branch231 N Guadalupe St, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Frost Bank branch locator (All The Places), checked Oct 10, 2026
A+ Credit Union Credit union · 2
A+ Credit Union has 2 officees in San Marcos, 22 across Texas. It is based in Austin, TX and $2.58 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 San Marcos locations with published hours open on Saturday.
Who can join: see the credit union's site.
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San Marcos Branch1204 Thorpe Ln, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat 10 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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San Marcos High School Branch2601 Rattler Rd Ste 100, 78666
All hours
Mon to Fri 1 pm to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Ozona Bank Bank · 2
Ozona Bank has 2 branches in San Marcos, 7 across Texas and 7 nationwide. FDIC records list its main office in Ozona, TX and show it operating since 1905. With $346.1 million in total assets on June 30, 2026, it ranks No. 2,278 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running San Marcos location is the San Marcos Branch at 1917 Dutton Dr, dating to 1999; the newest, at 1913 Dutton Dr, to 2017. It does not publish hours in the sources this page uses; check its site before you go.
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Ozona Bank Central Operations Office Branch1913 Dutton Dr, 78666
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San Marcos Branch1917 Dutton Dr, 78666
Randolph-brooks Credit Union Credit union · 2
Randolph-brooks Credit Union has 2 officees in San Marcos, 65 across Texas. It is based in Universal City, TX and $19.19 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its San Marcos locations with published hours open on Saturday.
Who can join: see the credit union's site.
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San Marcos1203 Thorpe Ln, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
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Wonder World1210 Wonder World Dr, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
University Credit Union Credit union · 2
University Credit Union has 2 officees in San Marcos, 30 across Texas. It is based in Austin, TX and $4.27 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 San Marcos locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Texas State Lbj109 Student Center Dr, 78666
All hours
Mon to Fri 10 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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San Marcos1190 Thorpe Ln, 78666
All hours
Mon to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Austin Telco Credit Union Credit union · 1
Austin Telco Credit Union has 1 office in San Marcos, 24 across Texas. It is based in Austin, TX and $2.55 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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San Marcos904 Bugg Ln, 78666
All hours
Mon to Fri 9 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Bank of America Bank · 1
Bank of America has 1 branch in San Marcos, 313 across Texas and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The San Marcos Branch at 308 E Hopkins St dates to 1989 in FDIC branch records. Its published hours do not list Saturday.
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San Marcos Branch308 E Hopkins St, 78666
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 1
Chase has 1 branch in San Marcos, 489 across Texas and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The University Square San Marcos at 350 N Guadalupe St Ste 106 dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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University Square San Marcos350 N Guadalupe St Ste 106, 78666
First Lockhart Bank Bank · 1
First Lockhart Bank has 1 branch in San Marcos, 6 across Texas and 6 nationwide. FDIC records list its main office in Lockhart, TX and show it operating since 1934. With $415.9 million in total assets on June 30, 2026, it ranks No. 2,028 of 4,232 U.S. banks by total assets. The San Marcos Banking Center at 2507 Hunter Road dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Banking Center2507 Hunter Road, 78666
First National Bank Texas Bank · 1
First National Bank Texas has 1 branch in San Marcos, 298 across Texas and 357 nationwide. FDIC records list its main office in Killeen, TX and show it operating since 1901. With $4.64 billion in total assets on June 30, 2026, it ranks No. 302 of 4,232 U.S. banks by total assets. The Swm San Marcos Banking Centr Rc303 Branch at 1015 Highway 80 dates to 2024 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Swm San Marcos Banking Centr Rc303 Branch1015 Highway 80, 78666
Greater Texas Credit Union Credit union · 1
Greater Texas Credit Union has 1 office in San Marcos, 16 across Texas. It is based in Austin, TX and $988.0 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Gtfcu242 N Guadalupe St, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
IBC Bank Bank · 1
IBC Bank has 1 branch in San Marcos, 80 across Texas and 80 nationwide. FDIC records list its main office in Laredo, TX and show it operating since 1966. With $10.19 billion in total assets on June 30, 2026, it ranks No. 159 of 4,232 U.S. banks by total assets. The San Marcos Branch at 1081 Wonder World Dr dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Branch1081 Wonder World Dr, 78666
PNC Bank Bank · 1
PNC Bank has 1 branch in San Marcos, 322 across Texas and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The San Marcos Branch at 300 S Lbj Dr dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Branch300 S Lbj Dr, 78666
Sage Capital Bank, Bank · 1
Sage Capital Bank, has 1 branch in San Marcos, 7 across Texas and 7 nationwide. FDIC records list its main office in Gonzales, TX and show it operating since 1984. With $768.9 million in total assets on June 30, 2026, it ranks No. 1,305 of 4,232 U.S. banks by total assets. The San Marcos Branch at 2201 Hunter Rd dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Branch2201 Hunter Rd, 78666
Schertz Bank & Trust Bank · 1
Schertz Bank & Trust has 1 branch in San Marcos, 6 across Texas and 6 nationwide. FDIC records list its main office in Schertz, TX and show it operating since 1913. With $770.1 million in total assets on June 30, 2026, it ranks No. 1,301 of 4,232 U.S. banks by total assets. The San Marcos Branch at 2202 Hunter Rd dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Branch2202 Hunter Rd, 78666
Sunflower Bank Bank · 1
Sunflower Bank has 1 branch in San Marcos, 23 across Texas and 103 nationwide. FDIC records list its main office in Dallas, TX and show it operating since 1892. With $15.65 billion in total assets on June 30, 2026, it ranks No. 125 of 4,232 U.S. banks by total assets. The San Marcos S. Stagecoach Branch at 403 S Stagecoach Trl dates to 2011 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos S. Stagecoach Branch403 S Stagecoach Trl, 78666
Texas Regional Bank Bank · 1
Texas Regional Bank has 1 branch in San Marcos, 37 across Texas and 37 nationwide. FDIC records list its main office in Harlingen, TX and show it operating since 1987. With $2.95 billion in total assets on June 30, 2026, it ranks No. 434 of 4,232 U.S. banks by total assets. The San Marcos Branch at 310 Wonder World Dr dates to 2017 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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San Marcos Branch310 Wonder World Dr, 78666
Wells Fargo Bank · 1
Wells Fargo has 1 branch in San Marcos, 457 across Texas and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The San Marcos Downtown Branch at 123 N Edward Gary St dates to 1879 in FDIC branch records. It opens on Saturday.
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San Marcos Downtown Branch123 N Edward Gary St, 78666
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in San Marcos
5 credit unions have 8 offices here: Randolph-brooks Credit Union, University Credit Union, A+ Credit Union, Austin Telco Credit Union and Greater Texas Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in San Marcos page has every office in the state's directory.
Banking in San Marcos: the local picture
Short answer: 13 banks run 16 branches in San Marcos according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 13 banks, 0 have their main office in San Marcos, 9 elsewhere in Texas and 4 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 123 N Edward Gary St, dating to 1879; the newest is First National Bank Texas's at 1015 Highway 80, from 2024.
5 credit unions have 8 offices in San Marcos, according to the NCUA. Who can join each one is on the credit unions page.
Of the 12 locations with published hours. 6 open on Saturday. 12 locations have no published hours in these sources.
Banks and credit unions open on Saturday in San Marcos
Short answer: 6 of the 12 San Marcos locations with published hours open on Saturday, run by 5 institutions.
- Frost Bank: 1 of 3 branches (221 Wonder World Dr: Saturday 9 am to 1 pm)
- Wells Fargo: 1 of 1 branch (123 N Edward Gary St: Saturday 9 am to 2 pm)
- Randolph-brooks Credit Union: 2 of 2 offices (1203 Thorpe Ln: Saturday 9 am to 4 pm, and 1 more)
- University Credit Union: 1 of 2 offices (1190 Thorpe Ln: Saturday 10 am to 2 pm)
- A+ Credit Union: 1 of 2 offices (1204 Thorpe Ln: Saturday 10 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 12 of the 24 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in San Marcos, and where the nearest one is if they do not.
Short answer: In San Marcos: Chase (1), Wells Fargo (1), Bank of America (1), PNC Bank (1). No branches in San Marcos: U.S. Bank (nearest in Houston, 145 mi), Truist (nearest in Austin, 21 mi), Fifth Third Bank (nearest in West Lake Hills, 29 mi), Huntington (nearest in Buda, 17 mi), Regions Bank (nearest in Austin, 21 mi), TD Bank, BMO (nearest in Dallas, 213 mi).
| Bank | In San Marcos | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| U.S. Bank | None | Houston, 145 miles away |
| Truist | None | Austin, 21 miles away |
| Fifth Third Bank | None | West Lake Hills, 29 miles away |
| Huntington | None | Buda, 17 miles away |
| Regions Bank | None | Austin, 21 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 213 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of San Marcos to the nearest branch in Texas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to San Marcos residents like anyone else.
Banks near San Marcos
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Kyle (11 miles) and Wimberley (13 miles). New Braunfels, 15 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Kyle, TX | 11 mi | 8 | 8 |
| Banks in Wimberley, TX | 13 mi | 5 | 6 |
| Banks in Canyon Lake, TX | 14 mi | 3 | 3 |
| Banks in New Braunfels, TX | 15 mi | 18 | 25 |
| Banks in Buda, TX | 17 mi | 5 | 5 |
| Banks in Lockhart, TX | 17 mi | 4 | 4 |
| Banks in Seguin, TX | 21 mi | 9 | 11 |
| Banks in Luling, TX | 22 mi | 3 | 3 |
Bank branch openings and closings in San Marcos
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in San Marcos between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in San Marcos by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its San Marcos offices.
Short answer: Chase is the largest bank with offices in San Marcos, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Frost Bank | $53.95 billion | No. 47 | 3 | San Antonio, TX |
| Sunflower Bank | $15.65 billion | No. 125 | 1 | Dallas, TX |
| IBC Bank | $10.19 billion | No. 159 | 1 | Laredo, TX |
| First National Bank Texas | $4.64 billion | No. 302 | 1 | Killeen, TX |
| Texas Regional Bank | $2.95 billion | No. 434 | 1 | Harlingen, TX |
| Schertz Bank & Trust | $770.1 million | No. 1,301 | 1 | Schertz, TX |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in San Marcos: FAQ
How many banks are in San Marcos, TX?
San Marcos has 13 banks with 16 branches and 5 credit unions with 8 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in San Marcos?
Frost Bank, with 3. Ozona Bank has 2 and Chase has 1.
Is there a Frost Bank in San Marcos, TX?
Yes. FDIC data lists 3 Frost Bank branches in San Marcos as of September 5, 2026. Its branches are listed under Frost Bank above, with the address and directions for each.
Is there a Ozona Bank in San Marcos, TX?
Yes. FDIC data lists 2 Ozona Bank branches in San Marcos as of September 5, 2026. Its branches are listed under Ozona Bank above, with the address and directions for each.
Is there a Chase in San Marcos, TX?
Yes. FDIC data lists 1 Chase branch in San Marcos as of September 5, 2026. The address and directions are under Chase above.
Is there a U.S. Bank in San Marcos, TX?
No. FDIC data lists no U.S. Bank branch in San Marcos as of September 5, 2026. The nearest is in Houston, about 145 miles away in a straight line.
Which banks in San Marcos are open on Saturday?
Frost Bank, Wells Fargo, Randolph-brooks Credit Union and University Credit Union and 1 more publish Saturday hours for one or more San Marcos locations. The Saturday section above lists each one with its hours. 12 of the 24 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in San Marcos?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in San Marcos?
Randolph-brooks Credit Union, University Credit Union, A+ Credit Union and Austin Telco Credit Union and 1 more have offices in San Marcos. Check each credit union's membership rules before you apply.
Did any bank branches open or close in San Marcos in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near San Marcos?
Nearby cities with more banks include Kyle, Wimberley, Canyon Lake. Kyle is 11 miles away with 8 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 8 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (4 of 16 branches: Bank of America, Frost Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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