Market Intelligence

Denton County, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Dallas-Fort Worth, TX-OK › Denton County

Denton County, Texas, a county in the Dallas-Fort Worth, TX-OK market, holds $275.5B in deposits across 42 insured institutions and 163 branches. Charles Schwab Bank, SSB is the largest deposit holder at 81.8% share. The top three banks hold 94% of deposits, which places the county in the Concentrated band. Deposits have fallen 26.1% since 2021 while the branch count rose by 9.4%. It produced $50.2B of real gross domestic product in 2024, ranking #92 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$50.2B
#92 of 1,523
Population
1,069,346
#46 of 1,523
GDP per Capita
$46,960
#673 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$275.5B
#13 of 1,523
Deposits per Capita
$257,599
#10 of 1,523
Deposits per Branch
$1.7B
#8 of 1,523
Competitive structure
Insured Institutions
42
#31 of 1,523
Branches per 100k Pop.
15.2
#1,273 of 1,523
Median Deposits per Institution
$120M
The median deposits booked by a single institution in the county. #751 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
14.6%
of county deposits held by banks with $100M to $100B in assets. #1,474 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
94%
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)-26.1% over 5 years
$372.5B
2021
$443.6B
2022
$320.2B
2023
$268.2B
2024
$256.3B
2025
$275.5B
2026

Branches: 149 in 2021 to 163 in 2026. Institutions: 36 to 42. Top-three share: 97% to 94%.

A note on this trend. Charles Schwab Bank, SSB booked $327.4 billion at a single office in this county in 2021, a headquarters or online-bank booking, not local retail deposits. Its balance here fell to $225.2 billion by 2026, so the 26.1% decline shown here mainly reflects that shift rather than local market activity. Setting such headquarters-booked balances aside, deposits were about $14.3 billion in 2021 and $16.1 billion in 2026. Deposits are recorded where a branch reports them, which can differ from where customers are.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Charles Schwab Bank, SSB$225.2B81.8%1-31%
Charles Schwab Premier Bank, SSB$24.5B8.9%1-21%
Charles Schwab Trust Bank$9.7B3.5%1no 2021 presence
JPMorgan Chase Bank$4.2B1.5%20+14%
Bank of America$2.6B1.0%13+2%
Wells Fargo Bank$2.1B0.8%17-9%
Pointbank$968M0.4%9+43%
PNC Bank$883M0.3%12+17%
SouthState Bank$823M0.3%11-36%
First United Bank and Trust Company$647M0.2%5+70%
Bank OZK$378M0.1%6+214%
American National Bank & Trust$276M0.1%3+146%
Prosperity Bank$268M0.1%5+7%
Ciera Bank$264M0.1%3+4%
Texas Regional Bank$244M0.1%3-42%
First State Bank$222M0.1%3-15%
First Financial Bank$212M0.1%1no 2021 presence
Frost Bank$209M0.1%6+333%
Bank of the West$206M0.1%3+32%
Glacier Bank$193M0.1%2+36%
Sanger Bank$136M<0.1%1+34%
NBH Bank$104M<0.1%1+25%
Fifth Third Bank$97M<0.1%2+174%
Truist Bank$96M<0.1%5+93%
Inwood National Bank$94M<0.1%1+6%
First National Bank of Omaha$85M<0.1%1+77%
First National Bank Texas$84M<0.1%9+9%
Woori America Bank$80M<0.1%1+296%
Texas Bank and Trust Company$80M<0.1%1no 2021 presence
First Guaranty Bank$74M<0.1%1+62%
Worthington Bank$73M<0.1%1no 2021 presence
Lamar National Bank$64M<0.1%1no 2021 presence
Texas Republic Bank$63M<0.1%1no 2021 presence
First Bank$46M<0.1%1no 2021 presence
Colonial Savings, F.A.$40M<0.1%1+23%
UMB Bank$34M<0.1%1-12%
Commercial Bank of Texas$23M<0.1%1+19%
Regions Bank$21M<0.1%1-19%
Woodforest National Bank$20M<0.1%4-8%
PlainsCapital Bank$17M<0.1%1no 2021 presence
One World Bank$14M<0.1%1no 2021 presence
Hancock Whitney Bank<$1M<0.1%1no 2021 presence

The 42 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 Dallas-Fort Worth market

Denton County is one of 20 counties that make up the Dallas-Fort Worth, TX-OK market, a Combined Statistical Area (ranked #7 of 293 U.S. markets by economic output). It produces 7.6% of the market’s output and holds 36.7% of its deposits.

MeasureDenton CountyShare of parent market
2024 GDP$50.2B7.6%
Deposits$275.5B36.7%
Population1,069,34611.8%

View the full Dallas-Fort Worth market profile →

Recruiting in Denton 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 Denton County.

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Other counties in the Dallas-Fort Worth market

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.