Smith County, Texas, a core county of the Tyler-Jacksonville, TX market, holds $9.0B in deposits across 28 insured institutions and 89 branches. Southside Bank is the largest deposit holder at 34.5% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have grown 11.9% since 2021 while the branch count rose by 4.7%. It produced $13.1B of real gross domestic product in 2024, ranking #302 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: 85 in 2021 to 89 in 2026. Institutions: 24 to 28. Top-three share: 51% to 52%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Southside Bank | $3.1B | 34.5% | +20% |
| Bank of America | $896M | 9.9% | 0% |
| Texas Bank and Trust Company | $682M | 7.6% | +18% |
| Austin Bank, Texas | $656M | 7.3% | +23% |
| JPMorgan Chase Bank | $576M | 6.4% | +27% |
| American State Bank | $536M | 5.9% | +72% |
| Capital One | $451M | 5.0% | -25% |
| Texas National Bank of Jacksonville | $338M | 3.8% | +56% |
| Citizens 1st Bank | $292M | 3.2% | +26% |
| VeraBank | $265M | 2.9% | +92% |
| Origin Bank | $252M | 2.8% | -2% |
| Regions Bank | $247M | 2.7% | -35% |
| UBank | $165M | 1.8% | +237% |
| The Huntington National Bank | $135M | 1.5% | +4% |
| Prosperity Bank | $90M | 1.0% | -11% |
| Simmons Bank | $67M | 0.7% | -43% |
| PNC Bank | $65M | 0.7% | -82% |
| Texas Bank | $34M | 0.4% | +24% |
| Cendera Bank | $30M | 0.3% | no 2021 presence |
| Broadstreet Bank S S B | $27M | 0.3% | +180% |
| Hancock Whitney Bank | $21M | 0.2% | +21% |
| Shelby Savings Bank, SSB | $20M | 0.2% | no 2021 presence |
| First National Bank Texas | $16M | 0.2% | +19% |
| The First National Bank of Winnsboro | $15M | 0.2% | -3% |
| The First National Bank of Hughes Springs | $9M | 0.1% | -20% |
| Woodforest National Bank | $8M | 0.1% | -18% |
| Planters Bank & Trust Company | $5M | 0.1% | no 2021 presence |
| Pilgrim Bank | $3M | <0.1% | no 2021 presence |
The 28 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 Tyler-Jacksonville market
Smith County is one of 2 counties that make up the Tyler-Jacksonville, TX market, a Combined Statistical Area (ranked #159 of 293 U.S. markets by economic output). It produces 89.1% of the market’s output and holds 89.1% of its deposits.
| Measure | Smith County | Share of parent market |
|---|---|---|
| 2024 GDP | $13.1B | 89.1% |
| Deposits | $9.0B | 89.1% |
| Population | 252,549 | 82.6% |
View the full Tyler-Jacksonville market profile →
Recruiting in Smith 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 Smith County.
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