Wichita County, Texas, a core county of the Wichita Falls, TX market, holds $4.1B in deposits across 13 insured institutions and 31 branches. American National Bank & Trust is the largest deposit holder at 39.7% share. The top three institutions hold 69.3% of deposits, which places the county in the concentrated band. Deposits have grown 37.3% since 2020 while the branch count fell by 4. It produces $6.0B of output, ranking #528 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 35 in 2020 to 31 in 2025. Institutions: 13 to 13. Top-three share: 55.8% to 69.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| American National Bank & Trust | $1.6B | 39.7% | +136% |
| First National Bank | $750M | 18.1% | +80% |
| First Bank | $477M | 11.5% | +16% |
| Wells Fargo Bank, National Association | $368M | 8.9% | -35% |
| JPMorgan Chase Bank, National Association | $333M | 8.0% | +8% |
| Prosperity Bank | $271M | 6.6% | no 2020 presence |
| Pilgrim Bank | $90M | 2.2% | -4% |
| First Capital Bank | $56M | 1.4% | +31% |
| First United Bank | $46M | 1.1% | +22% |
| FSNB, National Association | $36M | 0.9% | +18% |
The 10 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Wichita Falls market
Wichita County is one of 3 counties that make up the Wichita Falls, TX market, a Metropolitan Statistical Area (ranked #247 of 293 U.S. markets by economic output). It produces 89.7% of the market’s output and holds 95.3% of its deposits.
| Measure | Wichita County | Share of Wichita Falls market |
|---|---|---|
| 2024 GDP | $6.0B | 89.7% |
| Deposits | $4.1B | 95.3% |
| Population | 129,555 | 86.7% |
View the full Wichita Falls market profile →
Recruiting in Wichita 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 Wichita County, on a retained basis.
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