Market Intelligence

Carson County, TX

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

Carson County, Texas, a county in the Amarillo-Borger, TX market, holds $185M in deposits across 2 insured institutions and 3 branches. Centennial Bank is the largest deposit holder at 71.6% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have grown 39.2% since 2020. It produces $971M of output, ranking #1,202 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$971M
#1,202 of 1,523
Total Deposits
$185M
#1,421 of 1,523
Population
5,805
#1,495 of 1,523
GDP per Capita
$167,276
#24 of 1,523
Insured Institutions
2
#1,421 of 1,523
Deposits per Branch
$62M
#1,221 of 1,523
Deposits per Capita
$31,871
#318 of 1,523
Branches per 100k Pop.
51.7
#93 of 1,523
Median Institution Size
$93M
Median deposits of the institutions operating in the county. #957 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
71.6%
of market deposits held by banks with $100M to $50B in assets. #647 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 Deposit Share: concentrated
100.0%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+39.2% over 5 years
$133M
2020
$146M
2021
$147M
2022
$149M
2023
$162M
2024
$185M
2025

Branches: 3 in 2020 to 3 in 2025. Institutions: 2 to 2. Top-three share: 100.0% to 100.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Centennial Bank$132M71.6%2no 2020 presence
State National Bank$53M28.4%1+100%

The 2 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 Amarillo-Borger market

Carson County is one of 6 counties that make up the Amarillo-Borger, TX market, a Combined Statistical Area (ranked #123 of 293 U.S. markets by economic output). It produces 4.3% of the market’s output and holds 1.6% of its deposits.

MeasureCarson CountyShare of Amarillo-Borger market
2024 GDP$971M4.3%
Deposits$185M1.6%
Population5,8052.0%

View the full Amarillo-Borger market profile →

Recruiting in Carson 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 Carson County, on a retained basis.

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