Market Intelligence

Wise County, TX

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

Wise County, Texas, a county in the Dallas-Fort Worth, TX-OK market, holds $1.5B in deposits across 12 insured institutions and 20 branches. First Financial Bank is the largest deposit holder at 24.7% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have grown 29.6% since 2020 while the branch count rose by 5.3%. It produces $3.3B of output, ranking #730 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$3.3B
#730 of 1,523
Population
83,778
#686 of 1,523
GDP per Capita
$39,865
#905 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$1.5B
#759 of 1,523
Deposits per Capita
$17,928
#1,006 of 1,523
Deposits per Branch
$75M
#990 of 1,523
Competitive structure
Insured Institutions
12
#556 of 1,523
Branches per 100k Pop.
23.9
#784 of 1,523
Median Deposits per Institution
$85M
The median deposits booked by a single institution in the county. #1,029 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
80.2%
of county deposits held by banks with $100M to $100B in assets. #605 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: Moderate
59%
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, 2020 to 2025)+29.6% over 5 years
$1.2B
2020
$1.3B
2021
$1.5B
2022
$1.5B
2023
$1.5B
2024
$1.5B
2025

Branches: 19 in 2020 to 20 in 2025. Institutions: 9 to 12. Top-three share: 59% to 59%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First Financial Bank$372M24.7%3+51%
Wells Fargo Bank$297M19.8%2+10%
First National Bank$223M14.9%4+32%
First State Bank$195M13.0%1+26%
Legend Bank$175M11.6%3+22%
The Community Bank$128M8.6%1+33%
Pinnacle Bank$42M2.8%1+17%
Pilgrim Bank$31M2.1%1+43%
Prosperity Bank$23M1.5%1+4%
TexasBank$14M0.9%1no 2020 presence
American National Bank & Trust$1M0.1%1no 2020 presence
Woodforest National Bank$0M0.0%1no 2020 presence

The 12 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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

Wise 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 0.5% of the market’s output and holds 0.2% of its deposits.

MeasureWise CountyShare of parent market
2024 GDP$3.3B0.5%
Deposits$1.5B0.2%
Population83,7780.9%

View the full Dallas-Fort Worth market profile →

Recruiting in Wise 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 Wise County.

See how we help banks recruit commercial banking talent