Market Intelligence

Benton County, AR

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Benton County, Arkansas, a core county of the Fayetteville-Springdale-Rogers, AR market, holds $10.7B in deposits across 34 insured institutions and 107 branches. Arvest Bank is the largest deposit holder at 52.3% share. The top three banks hold 63% of deposits, which places the county in the Concentrated band. Deposits have grown 34.4% since 2021 while the branch count rose by 12.6%. It produced $21.2B of real gross domestic product in 2024, ranking #212 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$21.2B
#212 of 1,523
Population
332,554
#225 of 1,523
GDP per Capita
$63,662
#286 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$10.7B
#198 of 1,523
Deposits per Capita
$32,201
#336 of 1,523
Deposits per Branch
$100M
#630 of 1,523
Competitive structure
Insured Institutions
34
#64 of 1,523
Branches per 100k Pop.
32.2
#396 of 1,523
Median Deposits per Institution
$81M
The median deposits booked by a single institution in the county. #1,108 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
93.2%
of county deposits held by banks with $100M to $100B in assets. #306 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
63%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)+34.4% over 5 years
$8.0B
2021
$8.9B
2022
$8.4B
2023
$9.6B
2024
$10.3B
2025
$10.7B
2026

Branches: 95 in 2021 to 107 in 2026. Institutions: 27 to 34. Top-three share: 64% to 63%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Arvest Bank$5.6B52.3%25+30%
Bank OZK$575M5.4%8+66%
Generations Bank$543M5.1%4+113%
Grand Savings Bank$461M4.3%8+38%
First Western Bank$392M3.7%5+45%
Bank of America$372M3.5%2-13%
Legacy Bank$359M3.3%5+65%
Signature Bank of Arkansas$333M3.1%3+123%
First Security Bank$295M2.8%7+22%
The First National Bank of Fort Smith$229M2.1%4+16%
Regions Bank$212M2.0%3+6%
Chambers Bank$172M1.6%1+37%
Simmons Bank$137M1.3%3-6%
Academy Bank$100M0.9%1no 2021 presence
First Horizon Bank$100M0.9%1-38%
Central Bank$87M0.8%1-25%
Centennial Bank$83M0.8%4-6%
JPMorgan Chase Bank$79M0.7%2no 2021 presence
United Bank$67M0.6%2+29%
The Citizens Bank$66M0.6%1+144%
The Huntington National Bank$61M0.6%1+235%
First Community Bank$52M0.5%1no 2021 presence
Armor Bank$47M0.4%1no 2021 presence
Sterling Bank$43M0.4%2no 2021 presence
First National Bank$42M0.4%2-6%
Equity Bank$38M0.4%1+13%
Encore Bank$36M0.3%1-67%
Intrust Bank$34M0.3%1+34%
Great Southern Bank$29M0.3%1+35%
The Farmers & Merchants Bank$21M0.2%1-16%
Today's Bank$14M0.1%1no 2021 presence
BOKF$13M0.1%1+14%
Armstrong Bank$8M0.1%1no 2021 presence
First National Bank Texas$2M<0.1%2+134%

The 34 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 Fayetteville-Springdale-Rogers market

Benton County is one of 3 counties that make up the Fayetteville-Springdale-Rogers, AR market, a Metropolitan Statistical Area (ranked #86 of 293 U.S. markets by economic output). It produces 59.1% of the market’s output and holds 53.0% of its deposits.

MeasureBenton CountyShare of parent market
2024 GDP$21.2B59.1%
Deposits$10.7B53.0%
Population332,55453.5%

View the full Fayetteville-Springdale-Rogers market profile →

Recruiting in Benton County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Benton County.

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