Texarkana, TX-AR, a Metropolitan Statistical Area, holds $3.1 billion in deposits across 19 insured institutions and 48 branches, and ranks #257 of 293 U.S. markets by economic output. Farmers Bank & Trust Company is the largest deposit holder at 17.3% share. The top three banks hold 43% of deposits, which places the market in the Fragmented band.
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: 45 in 2021 to 48 in 2026. Institutions: 16 to 19. Top-three share: 51% to 43%. Average deposits per branch: $65M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Farmers Bank & Trust Company | $543M | 17.3% | +15% |
| Wells Fargo Bank | $470M | 15.0% | -43% |
| Glacier Bank | $333M | 10.6% | +2% |
| State Bank of De Kalb | $309M | 9.9% | +43% |
| Commercial National Bank of Texarkana | $305M | 9.7% | +21% |
| The Huntington National Bank | $258M | 8.2% | -19% |
| Regions Bank | $224M | 7.1% | -19% |
| Bank OZK | $172M | 5.5% | +35% |
| Texana Bank | $154M | 4.9% | +85% |
| Capital One | $94M | 3.0% | -46% |
| Diamond Bank | $81M | 2.6% | +196% |
| Bodcaw Bank | $55M | 1.7% | no 2021 presence |
| Horatio State Bank | $50M | 1.6% | +117% |
| Simmons Bank | $49M | 1.6% | no 2021 presence |
| Community State Bank | $21M | 0.7% | no 2021 presence |
| The First National Bank of Hughes Springs | $7M | 0.2% | -18% |
| First National Bank Texas | $5M | 0.2% | +5% |
| Woodforest National Bank | $3M | 0.1% | +16% |
| First Southern Bank | $1M | <0.1% | no 2021 presence |
The 19 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 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% | 66.3% |
| Miller County | Arkansas | $1.3B | 42,357 | 22.6% | 29.4% |
| Little River County | Arkansas | $544M | 11,763 | 9.2% | 4.3% |
Recruiting in the Texarkana market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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.
See how we help banks recruit commercial banking talent