Bowie County, Texas, a core county of the Texarkana, TX-AR market, holds $2.2B in deposits across 16 insured institutions and 29 branches. Farmers Bank & Trust Company is the largest deposit holder at 21.3% share. The top three institutions hold 50.9% of deposits, which places the county in the moderately concentrated band. Deposits have grown 24.8% since 2020. It produces $4.0B of output, ranking #673 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 29 in 2020 to 29 in 2025. Institutions: 14 to 16. Top-three share: 49.8% to 50.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Farmers Bank & Trust Company | $470M | 21.3% | +31% |
| Guaranty Bank & Trust, N.A. | $330M | 15.0% | +19% |
| Cadence Bank | $319M | 14.5% | +32% |
| State Bank of De Kalb | $282M | 12.8% | +55% |
| Wells Fargo Bank, National Association | $181M | 8.2% | +27% |
| Bank OZK | $129M | 5.9% | +28% |
| Capital One, National Association | $101M | 4.6% | -47% |
| Regions Bank | $92M | 4.2% | -25% |
| Commercial National Bank of Texarkana | $76M | 3.5% | +9% |
| Texana Bank, National Association | $74M | 3.4% | +48% |
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 Texarkana market
Bowie County is one of 3 counties that make up the Texarkana, TX-AR market, a Metropolitan Statistical Area (ranked #257 of 293 U.S. markets by economic output). It produces 68.2% of the market’s output and holds 66.0% of its deposits.
| Measure | Bowie County | Share of Texarkana market |
|---|---|---|
| 2024 GDP | $4.0B | 68.2% |
| Deposits | $2.2B | 66.0% |
| Population | 92,696 | 63.1% |
View the full Texarkana market profile →
Recruiting in Bowie 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 Bowie County, on a retained basis.
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