Garland County, Arkansas, a core county of the Hot Springs-Malvern, AR market, holds $3.1B in deposits across 14 insured institutions and 45 branches. Arvest Bank is the largest deposit holder at 19.0% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have grown 20.0% since 2021 while the branch count fell by 6.3%. It produced $3.7B of real gross domestic product in 2024, ranking #708 of the 1,523 ranked counties by economic output.
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
Branches: 48 in 2021 to 45 in 2026. Institutions: 14 to 14. Top-three share: 58% to 53%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Arvest Bank | $591M | 19.0% | +12% |
| Bank OZK | $552M | 17.7% | +23% |
| Regions Bank | $513M | 16.4% | -5% |
| U.S. Bank | $254M | 8.1% | +14% |
| Simmons Bank | $221M | 7.1% | -14% |
| Southern Bancorp Bank | $211M | 6.8% | +52% |
| First Security Bank | $154M | 4.9% | +75% |
| Chambers Bank | $149M | 4.8% | +218% |
| Diamond Bank | $134M | 4.3% | +32% |
| Relyance Bank | $117M | 3.8% | +16% |
| The Malvern National Bank | $85M | 2.7% | +44% |
| The Citizens Bank | $76M | 2.5% | +80% |
| The Huntington National Bank | $34M | 1.1% | +38% |
| Armor Bank | $29M | 0.9% | +2,229% |
The 14 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 Hot Springs-Malvern market
Garland County is one of 2 counties that make up the Hot Springs-Malvern, AR market, a Combined Statistical Area (ranked #273 of 293 U.S. markets by economic output). It produces 74.9% of the market’s output and holds 84.8% of its deposits.
| Measure | Garland County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.7B | 74.9% |
| Deposits | $3.1B | 84.8% |
| Population | 99,695 | 74.9% |
View the full Hot Springs-Malvern market profile →
Recruiting in Garland 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 Garland County.
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