County banking markets / AR / 05007
BentonArkansas
FIPS 05007. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 75 counties in Arkansas’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (855) and highly concentrated on deposits (3,055).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
39 branch offices and 15 institutions in 1994; 103 and 33 in 2025. Deposits booked in the county went from $1.30B to $10.28B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Arvest Bank cert 8728 | $5.55B | 54.02% | 24 | 23.30% |
| 2 | Bank OZK cert 110 | $509.0M | 4.95% | 8 | 7.77% |
| 3 | Generations Bank cert 88 | $485.3M | 4.72% | 3 | 2.91% |
| 4 | Grand Savings Bank cert 32084 | $412.3M | 4.01% | 8 | 7.77% |
| 5 | First Western Bank cert 13083 | $401.8M | 3.91% | 5 | 4.85% |
| 6 | Bank of America, National Association cert 3510 | $386.6M | 3.76% | 2 | 1.94% |
| 7 | Legacy National Bank cert 57953 | $333.5M | 3.24% | 5 | 4.85% |
| 8 | First Security Bank cert 5633 | $285.6M | 2.78% | 7 | 6.80% |
| 9 | Signature Bank of Arkansas cert 89 | $249.7M | 2.43% | 3 | 2.91% |
| 10 | The First National Bank of Fort Smith cert 3864 | $245.8M | 2.39% | 4 | 3.88% |
| 11 | Chambers Bank cert 5615 | $220.4M | 2.14% | 1 | 0.97% |
| 12 | Regions Bank cert 12368 | $206.9M | 2.01% | 3 | 2.91% |
| 13 | Simmons Bank cert 3890 | $136.3M | 1.33% | 3 | 2.91% |
| 14 | First Horizon Bank cert 4977 | $93.3M | 0.91% | 1 | 0.97% |
| 15 | Centennial Bank cert 11241 | $86.5M | 0.84% | 4 | 3.88% |
| 16 | Central Bank cert 1756 | $84.9M | 0.83% | 1 | 0.97% |
| 17 | The Citizens Bank cert 17211 | $71.8M | 0.70% | 1 | 0.97% |
| 18 | First Community Bank cert 34533 | $70.5M | 0.69% | 1 | 0.97% |
| 19 | United Bank cert 32025 | $70.1M | 0.68% | 2 | 1.94% |
| 20 | Cadence Bank cert 11813 | $51.4M | 0.50% | 1 | 0.97% |
| 21 | First National Bank cert 3887 | $47.5M | 0.46% | 2 | 1.94% |
| 22 | ENCORE BANK cert 34562 | $47.2M | 0.46% | 1 | 0.97% |
| 23 | JPMorgan Chase Bank, National Association cert 628 | $44.9M | 0.44% | 1 | 0.97% |
| 24 | Great Southern Bank cert 29546 | $35.4M | 0.34% | 1 | 0.97% |
| 25 | Equity Bank cert 25858 | $33.1M | 0.32% | 1 | 0.97% |
| 26 | Sterling Bank cert 57813 | $29.0M | 0.28% | 2 | 1.94% |
| 27 | Intrust Bank, National Association cert 4799 | $26.6M | 0.26% | 1 | 0.97% |
| 28 | Armor Bank cert 28812 | $25.1M | 0.24% | 1 | 0.97% |
| 29 | BOKF, National Association cert 4214 | $14.1M | 0.14% | 1 | 0.97% |
| 30 | Today's Bank cert 33470 | $11.7M | 0.11% | 1 | 0.97% |
| 31 | The Farmers & Merchants Bank cert 16216 | $8.6M | 0.08% | 1 | 0.97% |
| 32 | First National Bank Texas cert 3285 | $1.4M | 0.01% | 2 | 1.94% |
| 33 | Academy Bank, National Association cert 19600 | $295K | 0.00% | 1 | 0.97% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Arkansas, or read the methodology for the two HHI constructions and what they cannot tell you.