Amarillo-Borger, TX, a Combined Statistical Area, holds $11.2 billion in deposits across 21 insured institutions and 69 branches, ranking #123 of 293 U.S. markets by economic output. Amarillo National Bank is the largest deposit holder at 61.1% share. The top three institutions hold 79.5% of deposits, which places the market in the concentrated band. Deposits have grown 22.2% since 2020 while the branch count fell by 5.5%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 73 in 2020 to 69 in 2025. Institutions: 20 to 21. Top-three share: 77.8% to 79.5%. Deposits per branch: $163M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Amarillo National Bank | $6.9B | 61.1% | +40% |
| Centennial Bank | $1.4B | 12.0% | no 2020 presence |
| FirstBank Southwest | $0.7B | 6.5% | +52% |
| First United Bank | $0.5B | 4.6% | +6% |
| Bank of America | $0.5B | 4.2% | -7% |
| Wells Fargo Bank | $0.4B | 3.5% | -10% |
| JPMorgan Chase Bank | $0.2B | 1.9% | +58% |
| BOC Bank | $0.1B | 1.0% | +164% |
| Western Bank | $0.1B | 1.0% | no 2020 presence |
| Citizens Bank | $0.1B | 0.9% | +38% |
| Herring Bank | $100M | 0.9% | -13% |
| Prosperity Bank | $61M | 0.5% | no 2020 presence |
| InterBank | $59M | 0.5% | +9% |
| State National Bank | $53M | 0.5% | +60% |
| Interstate Bank | $27M | 0.2% | +30% |
| First State Bank | $20M | 0.2% | +115% |
| First National Bank of Hereford | $16M | 0.1% | no 2020 presence |
| Wellington State Bank | $15M | 0.1% | +455% |
| First National Bank Texas | $9M | 0.1% | +45% |
| Woodforest National Bank | $7M | 0.1% | +6% |
| First Bank and Trust of Memphis | $2M | 0.0% | +26% |
The 21 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Potter County | Texas | $8.9B | 114,453 | 39.5% | 68.0% |
| Hutchinson County | Texas | $7.5B | 19,633 | 33.2% | 2.4% |
| Randall County | Texas | $4.7B | 152,351 | 21.1% | 27.4% |
| Carson County | Texas | $971M | 5,805 | 4.3% | 1.6% |
| Oldham County | Texas | $319M | 1,783 | 1.4% | 0.2% |
| Armstrong County | Texas | $84M | 1,843 | 0.4% | 0.3% |
Recruiting in the Amarillo-Borger market
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 this one.
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