Bell County, Texas, a core county of the Killeen-Temple, TX market, holds $5.4B in deposits across 19 insured institutions and 62 branches. First National Bank Texas is the largest deposit holder at 22.0% share. The top three banks hold 50% of deposits, which places the county in the Moderate band. Deposits have grown 5.2% since 2021 while the branch count rose by 3.3%. It produced $20.4B of real gross domestic product in 2024, ranking #217 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 60 in 2021 to 62 in 2026. Institutions: 15 to 19. Top-three share: 53% to 50%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First National Bank Texas | $1.2B | 22.0% | +16% |
| Extraco Banks | $956M | 17.8% | 0% |
| The Huntington National Bank | $564M | 10.5% | -1% |
| Bank of America | $392M | 7.3% | -2% |
| PNC Bank | $352M | 6.5% | -51% |
| JPMorgan Chase Bank | $344M | 6.4% | +25% |
| Central National Bank | $337M | 6.3% | +64% |
| First Texas Bank | $273M | 5.1% | -6% |
| Horizon Bank, SSB | $226M | 4.2% | +80% |
| Wells Fargo Bank | $190M | 3.5% | +9% |
| VeraBank | $190M | 3.5% | -20% |
| Alliance Bank Central Texas | $161M | 3.0% | no 2021 presence |
| First United Bank and Trust Company | $79M | 1.5% | +43% |
| Security Bank of Texas | $48M | 0.9% | +1% |
| The Buckholts State Bank | $41M | 0.8% | +46% |
| SouthStar Bank, S.S.B. | $21M | 0.4% | +38% |
| Grandview Bank | $11M | 0.2% | no 2021 presence |
| Citizens National Bank | $7M | 0.1% | no 2021 presence |
| The First National Bank of Moody | $3M | 0.1% | no 2021 presence |
The 19 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
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 76.9% of its deposits.
| Measure | Bell County | Share of parent market |
|---|---|---|
| 2024 GDP | $20.4B | 89.7% |
| Deposits | $5.4B | 76.9% |
| 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.
See how we help banks recruit commercial banking talent