Market Intelligence

Denton County, TX

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market Intelligence › Dallas-Fort Worth, TX-OK › Denton County

Denton County, Texas, a county in the Dallas-Fort Worth, TX-OK market, holds $256.4B in deposits across 44 insured institutions and 162 branches. Charles Schwab Bank, SSB is the largest deposit holder at 81.7% share. The top three banks hold 94% of deposits, which places the county in the Concentrated band. Deposits have fallen 15.7% since 2020 while the branch count rose by 5.9%. It produces $50.2B of output, 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, 6/30/25)
$256.4B
#14 of 1,523
Deposits per Capita
$239,797
#10 of 1,523
Deposits per Branch
$1.6B
#8 of 1,523
Competitive structure
Insured Institutions
44
#29 of 1,523
Branches per 100k Pop.
15.1
#1,277 of 1,523
Median Deposits per Institution
$113M
The median deposits booked by a single institution in the county. #781 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
14.5%
of county deposits held by banks with $100M to $100B in assets. #1,482 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, 2020 to 2025)-15.7% over 5 years
$304.1B
2020
$372.5B
2021
$443.6B
2022
$320.2B
2023
$268.2B
2024
$256.4B
2025

Branches: 153 in 2020 to 162 in 2025. Institutions: 36 to 44. Top-three share: 97% to 94%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Charles Schwab Bank, SSB$209.5B81.7%1-22%
Charles Schwab Premier Bank, SSB$22.2B8.7%1-7%
Charles Schwab Trust Bank$8.9B3.5%1no 2020 presence
JPMorgan Chase Bank$4.1B1.6%20+36%
Bank of America$2.5B1.0%12+9%
Wells Fargo Bank$2.1B0.8%16-1%
SouthState Bank$1.0B0.4%11+2%
PNC Bank$963M0.4%12+35%
Pointbank$863M0.3%9+57%
First United Bank and Trust Company$561M0.2%5+62%
Bank OZK$326M0.1%5+174%
Prosperity Bank$279M0.1%5+20%
Texas Regional Bank$274M0.1%3no 2020 presence
Ciera Bank$257M0.1%3+14%
American National Bank & Trust$250M0.1%3+157%
First State Bank$218M0.1%3-3%
First Financial Bank$202M0.1%1no 2020 presence
Guaranty Bank & Trust$189M0.1%2+83%
Frost Bank$187M0.1%6+351%
Bank of the West$185M0.1%3+35%
Sanger Bank$122M<0.1%1+39%
Vista Bank$117M<0.1%1no 2020 presence
Inwood National Bank$109M<0.1%1+26%
First National Bank of Omaha$93M<0.1%1+102%
Truist Bank$87M<0.1%5+43%
First National Bank Texas$80M<0.1%9+33%
Worthington Bank$79M<0.1%1no 2020 presence
First Guaranty Bank$73M<0.1%1+71%
Texas Bank and Trust Company$70M<0.1%1no 2020 presence
Woori America Bank$64M<0.1%1+364%
Lamar National Bank$61M<0.1%1no 2020 presence
Texas Republic Bank$56M<0.1%1no 2020 presence
Commonwealth Business Bank$50M<0.1%1+81%
Comerica Bank$47M<0.1%2+52%
Colonial Savings, F.A.$42M<0.1%1+27%
First Bank$36M<0.1%1no 2020 presence
UMB Bank$34M<0.1%1-17%
Commercial Bank of Texas$25M<0.1%1+40%
Community National Bank$25M<0.1%1no 2020 presence
Regions Bank$21M<0.1%1-8%
Woodforest National Bank$18M<0.1%4-25%
PlainsCapital Bank$16M<0.1%1no 2020 presence
One World Bank$12M<0.1%1no 2020 presence
The American National Bank of Texas$4M<0.1%1no 2020 presence

The 44 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 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 37.6% of its deposits.

MeasureDenton CountyShare of parent market
2024 GDP$50.2B7.6%
Deposits$256.4B37.6%
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.

See how we help banks recruit commercial banking talent

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.