Texarkana, TX-AR, a Metropolitan Statistical Area, holds $3.3 billion in deposits across 19 insured institutions and 48 branches, ranking #257 of 293 U.S. markets by economic output. Wells Fargo Bank is the largest deposit holder at 17.9% share. The top three institutions hold 45.8% of deposits, which places the market in the moderate band. Deposits have grown 18.5% since 2020 while the branch count rose by 4.3%.
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: 46 in 2020 to 48 in 2025. Institutions: 16 to 19. Top-three share: 48.4% to 45.8%. Deposits per branch: $69M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank | $0.6B | 17.9% | -5% |
| Farmers Bank & Trust Company | $0.6B | 16.8% | +28% |
| Cadence Bank | $0.4B | 11.1% | +25% |
| Guaranty Bank & Trust | $0.3B | 9.9% | +19% |
| Commercial National Bank of Texarkana | $0.3B | 9.0% | +30% |
| State Bank of De Kalb | $0.3B | 8.5% | +55% |
| Regions Bank | $0.2B | 6.9% | -12% |
| Bank OZK | $0.2B | 5.5% | +36% |
| Texana Bank | $0.1B | 4.0% | +74% |
| Capital One | $0.1B | 3.0% | -47% |
| Diamond Bank | $66M | 2.0% | +151% |
| Bodcaw Bank | $58M | 1.7% | no 2020 presence |
| Simmons Bank | $49M | 1.5% | no 2020 presence |
| Horatio State Bank | $44M | 1.3% | +136% |
| Community State Bank | $15M | 0.5% | no 2020 presence |
| The First National Bank of Hughes Springs | $8M | 0.3% | -8% |
| First National Bank Texas | $4M | 0.1% | +32% |
| Woodforest National Bank | $3M | 0.1% | +20% |
| First Southern Bank | $1M | 0.0% | no 2020 presence |
The 19 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 | |
|---|---|---|---|---|---|
| Bowie County | Texas | $4.0B | 92,696 | 68.2% | 66.0% |
| Miller County | Arkansas | $1.3B | 42,357 | 22.6% | 30.4% |
| Little River County | Arkansas | $544M | 11,763 | 9.2% | 3.6% |
Recruiting in the Texarkana market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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