Bell County, Texas, a core county of the Killeen-Temple, TX market, holds $5.4B in deposits across 19 insured institutions and 64 branches. First National Bank Texas is the largest deposit holder at 22.9% share. The top three institutions hold 54.1% of deposits, which places the county in the moderately concentrated band. Deposits have grown 18.3% since 2020 while the branch count fell by 1. It produces $20.4B of output, ranking #217 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 65 in 2020 to 64 in 2025. Institutions: 17 to 19. Top-three share: 47.6% to 54.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First National Bank Texas | $1.2B | 22.9% | +109% |
| Extraco Banks, National Association | $1.0B | 18.7% | +25% |
| Cadence Bank | $677M | 12.5% | +73% |
| Bank of America, National Association | $407M | 7.5% | +17% |
| PNC Bank, National Association | $343M | 6.3% | -56% |
| JPMorgan Chase Bank, National Association | $326M | 6.0% | +54% |
| First Texas Bank | $279M | 5.1% | no 2020 presence |
| Central National Bank | $260M | 4.8% | +26% |
| Horizon Bank, SSB | $213M | 3.9% | +100% |
| VeraBank, National Association | $188M | 3.5% | +4% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Killeen-Temple market
Bell County is one of 3 counties that make up the Killeen-Temple, TX market, a Metropolitan Statistical Area (ranked #120 of 293 U.S. markets by economic output). It produces 89.7% of the market’s output and holds 77.4% of its deposits.
| Measure | Bell County | Share of Killeen-Temple market |
|---|---|---|
| 2024 GDP | $20.4B | 89.7% |
| Deposits | $5.4B | 77.4% |
| Population | 402,248 | 78.6% |
View the full Killeen-Temple market profile →
Recruiting in Bell County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Bell County, on a retained basis.
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