Market Intelligence

White County, AR

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

White County, Arkansas, a core county of the Little Rock-North Little Rock, AR market, holds $2.1B in deposits across 10 insured institutions and 32 branches. First Security Bank is the largest deposit holder at 51.7% share. The top three banks hold 78% of deposits, which places the county in the Concentrated band. Deposits have grown 3.7% since 2021 while the branch count fell by 3.0%. It produced $2.5B of real gross domestic product in 2024, ranking #835 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$2.5B
#835 of 1,523
Population
80,085
#717 of 1,523
GDP per Capita
$31,687
#1,173 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$2.1B
#644 of 1,523
Deposits per Capita
$26,148
#585 of 1,523
Deposits per Branch
$65M
#1,193 of 1,523
Competitive structure
Insured Institutions
10
#734 of 1,523
Branches per 100k Pop.
40.0
#209 of 1,523
Median Deposits per Institution
$122M
The median deposits booked by a single institution in the county. #736 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
93.5%
of county deposits held by banks with $100M to $100B in assets. #300 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
78%
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, 2021 to 2026)+3.7% over 5 years
$2.0B
2021
$2.0B
2022
$1.9B
2023
$2.0B
2024
$2.0B
2025
$2.1B
2026

Branches: 33 in 2021 to 32 in 2026. Institutions: 10 to 10. Top-three share: 78% to 78%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First Security Bank$1.1B51.7%10-4%
First Community Bank$397M19.0%5+30%
Centennial Bank$151M7.2%5+2%
Regions Bank$136M6.5%2-8%
Simmons Bank$122M5.8%1-9%
Southern Bank$121M5.8%3+14%
Riverwind Bank$60M2.9%3+76%
Merchants & Planters' Bank$12M0.6%1+44%
Eagle Bank and Trust Company$10M0.5%1+4%
First National Bank Texas$1M0.1%1+192%

The 10 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 Little Rock-North Little Rock market

White County is one of 9 counties that make up the Little Rock-North Little Rock, AR market, a Combined Statistical Area (ranked #76 of 293 U.S. markets by economic output). It produces 5.3% of the market’s output and holds 5.0% of its deposits.

MeasureWhite CountyShare of parent market
2024 GDP$2.5B5.3%
Deposits$2.1B5.0%
Population80,0858.6%

View the full Little Rock-North Little Rock market profile →

Recruiting in White 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 White County.

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