Market Intelligence

Benton County, AR

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Benton County, Arkansas, a core county of the Fayetteville-Springdale-Rogers, AR market, holds $10.3B in deposits across 33 insured institutions and 103 branches. Arvest Bank is the largest deposit holder at 54.0% share. The top three banks hold 64% of deposits, which places the county in the Concentrated band. Deposits have grown 51.8% since 2020 while the branch count rose by 9.6%. It produces $21.2B of output, 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, 6/30/25)
$10.3B
#202 of 1,523
Deposits per Capita
$30,909
#352 of 1,523
Deposits per Branch
$100M
#598 of 1,523
Competitive structure
Insured Institutions
33
#69 of 1,523
Branches per 100k Pop.
31.0
#455 of 1,523
Median Deposits per Institution
$72M
The median deposits booked by a single institution in the county. #1,178 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
93.8%
of county deposits held by banks with $100M to $100B in assets. #312 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
64%
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, 2020 to 2025)+51.8% over 5 years
$6.8B
2020
$8.0B
2021
$8.9B
2022
$8.4B
2023
$9.6B
2024
$10.3B
2025

Branches: 94 in 2020 to 103 in 2025. Institutions: 28 to 33. Top-three share: 64% to 64%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Arvest Bank$5.6B54.0%24+51%
Bank OZK$509M5.0%8+78%
Generations Bank$485M4.7%3+180%
Grand Savings Bank$412M4.0%8+56%
First Western Bank$402M3.9%5+63%
Bank of America$387M3.8%20%
Legacy National Bank$333M3.2%5+454%
First Security Bank$286M2.8%7+54%
Signature Bank of Arkansas$250M2.4%3+105%
The First National Bank of Fort Smith$246M2.4%4+62%
Chambers Bank$220M2.1%1+100%
Regions Bank$207M2.0%3-20%
Simmons Bank$136M1.3%3+6%
First Horizon Bank$93M0.9%1-32%
Centennial Bank$86M0.8%4+9%
Central Bank$85M0.8%1-30%
The Citizens Bank$72M0.7%1+173%
First Community Bank$71M0.7%1no 2020 presence
United Bank$70M0.7%2+76%
Cadence Bank$51M0.5%1+226%
First National Bank$47M0.5%2+2%
Encore Bank$47M0.5%1+118%
JPMorgan Chase Bank$45M0.4%1no 2020 presence
Great Southern Bank$35M0.3%1+29%
Equity Bank$33M0.3%1+24%
Sterling Bank$29M0.3%2no 2020 presence
Intrust Bank$27M0.3%1+42%
Armor Bank$25M0.2%1no 2020 presence
BOKF$14M0.1%1+39%
Today's Bank$12M0.1%1no 2020 presence
The Farmers & Merchants Bank$9M0.1%1-64%
First National Bank Texas$1M<0.1%2+406%
Academy Bank<$1M<0.1%1no 2020 presence

The 33 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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$10.3B53.0%
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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