Market Intelligence

Orange County, TX

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

Orange County, Texas, a county in the Beaumont-Port Arthur, TX market, holds $1.1B in deposits across 8 insured institutions and 14 branches. First Financial Bank is the largest deposit holder at 47.3% share. The top three institutions hold 76.0% of deposits, which places the county in the concentrated band. Deposits have grown 9.3% since 2020 while the branch count fell by 1. It produces $4.7B of output, ranking #628 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$4.7B
#628 of 1,523
Total Deposits
$1.1B
#879 of 1,523
Population
86,266
#675 of 1,523
GDP per Capita
$54,131
#478 of 1,523
Insured Institutions
8
#896 of 1,523
Deposits per Branch
$80M
#889 of 1,523
Deposits per Capita
$13,057
#1,299 of 1,523
Branches per 100k Pop.
16.2
#1,228 of 1,523
Median Institution Size
$76M
Median deposits of the institutions operating in the county. #1,129 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
77.1%
of market deposits held by banks with $100M to $50B in assets. #557 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
76.0%
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+9.3% over 5 years
$1.0B
2020
$1.1B
2021
$1.1B
2022
$1.0B
2023
$995M
2024
$1.1B
2025

Branches: 15 in 2020 to 14 in 2025. Institutions: 8 to 8. Top-three share: 77.4% to 76.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
First Financial Bank$532M47.3%3+26%
Bridge City State Bank$185M16.4%2-20%
Wells Fargo Bank, National Association$138M12.3%1-3%
First State Bank of Texas$88M7.8%2+129%
JPMorgan Chase Bank, National Association$63M5.6%1+18%
Stellar Bank$60M5.3%2no 2020 presence
PNC Bank, National Association$56M5.0%2-18%
First National Bank Texas$2M0.2%1+24%

The 8 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 Beaumont-Port Arthur market

Orange County is one of 3 counties that make up the Beaumont-Port Arthur, TX market, a Metropolitan Statistical Area (ranked #104 of 293 U.S. markets by economic output). It produces 17.0% of the market’s output and holds 14.8% of its deposits.

MeasureOrange CountyShare of Beaumont-Port Arthur market
2024 GDP$4.7B17.0%
Deposits$1.1B14.8%
Population86,26621.6%

View the full Beaumont-Port Arthur market profile →

Recruiting in Orange 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 Orange County, on a retained basis.

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