Wichita Falls, TX, a Metropolitan Statistical Area, holds $4.3 billion in deposits across 14 insured institutions and 38 branches, and ranks #247 of 293 U.S. markets by economic output. American National Bank & Trust is the largest deposit holder at 41.3% share. The top three banks hold 66% of deposits, which places the market in the Concentrated band. Deposits have grown 20.2% since 2021 while the branch count fell by 5.0%.
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: 40 in 2021 to 38 in 2026. Institutions: 14 to 14. Top-three share: 55% to 66%. Average deposits per branch: $112M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| American National Bank & Trust | $1.8B | 41.3% | +99% |
| Investar Bank | $554M | 13.0% | +18% |
| First Bank | $506M | 11.9% | +20% |
| Wells Fargo Bank | $380M | 8.9% | -37% |
| JPMorgan Chase Bank | $327M | 7.7% | -3% |
| Prosperity Bank | $312M | 7.3% | -30% |
| Pilgrim Bank | $135M | 3.2% | -14% |
| Legend Bank | $93M | 2.2% | +53% |
| First Capital Bank | $61M | 1.4% | +73% |
| First United Bank | $38M | 0.9% | -12% |
| FSNB | $37M | 0.9% | +13% |
| The Waggoner National Bank of Vernon | $33M | 0.8% | -20% |
| First National Bank Texas | $18M | 0.4% | +17% |
| First State Bank | $10M | 0.2% | +87% |
The 14 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 | |
|---|---|---|---|---|---|
| Wichita County | Texas | $6.0B | 129,555 | 89.7% | 95.2% |
| Archer County | Texas | $353M | 9,129 | 5.3% | 2.0% |
| Clay County | Texas | $338M | 10,764 | 5.0% | 2.9% |
Recruiting in the Wichita Falls 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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