Texarkana, TX-AR 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 19% since 2020 while the branch count rose by 2.
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.
Leading 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% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Bowie County | Texas | $4,034M | 92,696 | 68.2% |
| Miller County | Arkansas | $1,334M | 42,357 | 22.6% |
| Little River County | Arkansas | $544M | 11,763 | 9.2% |
Recruiting in Texarkana
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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