Grayson County, Texas, a core county of the Dallas-Fort Worth, TX-OK market, holds $4.1B in deposits across 17 insured institutions and 40 branches. First United Bank and Trust Company is the largest deposit holder at 38.7% share. The top three banks hold 69% of deposits, which places the county in the Concentrated band. Deposits have grown 27.2% since 2021 while the branch count rose by 2.6%. It produced $6.6B of real gross domestic product in 2024, ranking #496 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: 39 in 2021 to 40 in 2026. Institutions: 14 to 17. Top-three share: 68% to 69%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First United Bank and Trust Company | $1.6B | 38.7% | +34% |
| SouthState Bank | $697M | 17.0% | +37% |
| Simmons Bank | $534M | 13.0% | +5% |
| JPMorgan Chase Bank | $338M | 8.3% | -4% |
| First State Bank | $196M | 4.8% | +225% |
| Cendera Bank | $161M | 3.9% | +78% |
| The Huntington National Bank | $141M | 3.4% | -24% |
| Legend Bank | $133M | 3.2% | +36% |
| Texas Bank | $80M | 2.0% | no 2021 presence |
| The First National Bank of Tom Bean | $57M | 1.4% | +55% |
| BOKF | $52M | 1.3% | -54% |
| Ameristate Bank | $51M | 1.3% | +15% |
| First Texoma National Bank | $21M | 0.5% | -20% |
| Great Plains National Bank | $17M | 0.4% | no 2021 presence |
| First Texas National Bank | $13M | 0.3% | no 2021 presence |
| First National Bank Texas | $11M | 0.3% | +36% |
| Woodforest National Bank | $10M | 0.2% | -15% |
The 17 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
Grayson 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 1.0% of the market’s output and holds 0.5% of its deposits.
| Measure | Grayson County | Share of parent market |
|---|---|---|
| 2024 GDP | $6.6B | 1.0% |
| Deposits | $4.1B | 0.5% |
| Population | 153,613 | 1.7% |
View the full Dallas-Fort Worth market profile →
Recruiting in Grayson 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 Grayson County.
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